WO2005109359A1 - Electronic payment system comprising digital monetary units - Google Patents

Electronic payment system comprising digital monetary units Download PDF

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Publication number
WO2005109359A1
WO2005109359A1 PCT/EP2005/004756 EP2005004756W WO2005109359A1 WO 2005109359 A1 WO2005109359 A1 WO 2005109359A1 EP 2005004756 W EP2005004756 W EP 2005004756W WO 2005109359 A1 WO2005109359 A1 WO 2005109359A1
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WO
WIPO (PCT)
Prior art keywords
payment system
electronic payment
web
monetary unit
monetary
Prior art date
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PCT/EP2005/004756
Other languages
German (de)
French (fr)
Inventor
Pierre-Alain Cotte
Michael Greve
Original Assignee
Combots Product Gmbh & Co. Kg
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
Priority claimed from DE200410021814 external-priority patent/DE102004021814A1/en
Application filed by Combots Product Gmbh & Co. Kg filed Critical Combots Product Gmbh & Co. Kg
Publication of WO2005109359A1 publication Critical patent/WO2005109359A1/en

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    • 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
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • 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
    • G06Q20/04—Payment circuits

Definitions

  • the invention relates to an electronic payment system with digital monetary units, which have special properties and are also called “intelligent Web.Cents" for short.
  • FIG. 1 an intelligent Web.Cent according to the invention is shown.
  • the Web.Cent is a digital currency unit and corresponds to the value after a certain real amount of money, e.g. one or more euro cents.
  • Each Web.Cent represents a file with a size of, for example, 10 KB. As can be seen in FIG. 1, this file comprises various information relating to the Web.Cent. There are preferably certain data fields for this: Field 1 contains the real value W, here "1" EuroCent. Field 2 contains a unique identification number ID in the form of a 32-bit number code. Field 3 specifies the owner, preferably in the form of a ID No. Data about transaction history 4, such as the date of all transactions, or at least the last N transactions, are stored in data field 4. Field 5 contains further parameters.
  • the parameters 5 can include various information.
  • the Web.Cent can have an expiry date.
  • the Web.Cent can also be assigned to a specific advertising partner or sponsor.
  • the Web.Cent can also be restricted to purchasing from certain providers or dealers.
  • the Web.Cent can also lose or gain in value with every use.
  • the parameters 5 can also contain information on certain bonus, payback or discount campaigns. Using parameter 5, the Web.Cent can only be used for a limited number of transactions.
  • Possible transaction information that is stored in the history can e.g. Date, time, place, amount, transaction partner. This information is the parameter assigned to a Web.Cent.
  • Other parameters can be an expiry date, the expiry or gain, the sponsor or advertising partner, a bonus or payback value or discount.
  • Information about a restriction to certain products and / or dealers as well as a predefined maximum number of transactions can also be used as parameters.
  • the parameters can also specify certain batches of Web.Cents, e.g. in the form of number blocks. This means that a sponsor e.g. 1 million WebCents with the end numbers ".... 0" to
  • Factory 7 is the body or unit that produces the digital money units (WebCents) and, if necessary, destroys them. Further processes, which will be described in more detail later, can also be carried out there.
  • Bank 8 itself is used to process payment transactions and to manage accounts.
  • the clearing house is a body or unit that checks and secures transactions to be carried out.
  • the factory 7 is the only entity capable of the web. Change Cent files in the database, which is indicated by the triple bar in Figure 2. Only Factory 7 can overwrite or delete the information assigned to the Web.Cents. Bank 8 and clearing point 9, on the other hand, can only read the data from database 6 (simple double bar in FIG. 2).
  • the bank 8 and the clearing house 9 also have the authority to change the data in the database 6.
  • Bank 8 is the interface to the owners of the Web Centers (e.g. A and B, see Fig. 2). Here, an owner can see how many Web.Cents he has and order transactions.
  • the clearing house 9 is used to monitor, check and process the Web.Cent transactions.
  • Consumer A has a Web.Cent account at Bank 8 and would like to buy an audio CD with his Web.Cents from dealer B over the Internet. To do this, he instructs bank 8 to transfer the necessary amount of Web.Cents to B (step a). The bank 8 then instructs the clearing house 9 to rewrite a certain number of Web cents from A to B. Bank 8 hands over the clearing house 9 the ID numbers of the Web.Cents to be rewritten as well as the name of the previous holder A and the name of the future holder B.
  • the clearing house 9 starts a query in the database 6 in order to check whether the specified ID numbers are actually assigned to corresponding Web.Cents in the database 6. If the ID numbers were assigned according to a certain pattern (pseudo-random), the clearing house 9 can also check at this point whether the specified ID numbers fit into the scheme used.
  • Clearing house 9 also checks whether the Web.Cents specified for the description really belong to A. For this purpose, the owner of each Web.Cent file is read from data field 3 and compared with the name of the A. The clearing house 9 can carry out further checks on the basis of the parameters 5.
  • the expiry date of the Web.Cents are checked if they are provided with one. If the Web.Cents are only intended for the purchase of certain products, the clearing house can receive additional information about the type of purchase from the bank and compare this information with the corresponding parameter 5.
  • the clearing point 9 preferably accesses the transaction history (data field 4) of each Web cent to be transmitted.
  • the history is checked for plausibility, ie it is checked whether it can be assumed from the history that A is the rightful owner of the respective web cent.
  • step d the clearing house 9 instructs the factory 7 to rewrite the corresponding Web Centers from A to B (step d). In step e, the factory 7 then overwrites the corresponding data in the database 6.
  • the clearing house 9 now informs the bank 8 that the transaction has been successfully completed (step f). Finally, this information is passed through the bank to A and B (step g).
  • the clearing house 9 or the bank 8 can also carry out the corresponding rewriting of the data in the database 6 instead of the factory 7. In this case Factory 7 does not take part in the transfer of Web.Cents.
  • Figure 3 illustrates how Web Centers can be created and destroyed.
  • Consumer A wants to increase his Web.Cent account. To do this, he deposits a certain amount of money with his bank (step a). The bank 8 then instructs the factory 7 to create digital monetary units (Web.Cents) in the corresponding countervalue (step b). Factory 7 accesses database 6 and creates corresponding new Web.Cent data sets (step c). The new Web.Cents are given a value (W in field 1), an ID number (ID in field 2), a holder (in field 3), a history (in field 4) and If necessary, add several parameters (in field 5).
  • bank 8 informs customer A that new Web.Cents have been credited.
  • the customer can order the WebCents online, e.g. by carries out an online transfer to the account of the WebCent provider, who then produces the WebCents ordered in his factory and delivers them to the user.
  • the Web.Cents are provided with additional information according to the invention, in particular the owner (field 3) and the history (field 4) and further parameters (field 5), makes it much more difficult to forge or misuse the Web.Cents. Thanks to the additional information, the Web.Cents can also be used for special marketing purposes such as advertising, sponsoring, discount campaigns or the like. On the basis of the additional information, in particular the transaction history, various statistical information about the Web.Cents and their use can also be collected.
  • the WebCents can be produced specifically for promotions of a specific sponsor or for specific campaign periods (summer vouchers) etc.

Abstract

The invention relates to an electronic payment system comprising digital monetary units, which have particular characteristics and are called 'intelligent web.cents'. According to the invention, each monetary unit consists of a file containing identification data that unequivocally identifies the monetary unit. The invention is characterised in that in addition to said identification data, the file also contains additional data relating to the monetary unit.

Description

Elektronisches ZahlungsSystem mit digitalen GeldeinheitenElectronic payment system with digital monetary units
Die Erfindung betrifft ein elektronisches Zahlungssystem mit digitalen Geldeinheiten, die besondere Eigenschaften aufweisen und auch kurz „intelligente Web.Cents" genannt werden.The invention relates to an electronic payment system with digital monetary units, which have special properties and are also called "intelligent Web.Cents" for short.
In Figur 1 ist ein erfindungsgemäßer intelligenter Web.Cent dargestellt.In Figure 1, an intelligent Web.Cent according to the invention is shown.
Der Web.Cent ist eine digitale Währungseinheit und entspricht dem Wert nach einem gewissen reellen Geldbetrag, z.B. einem oder mehrerer Eurocents. Jeder Web.Cent stellt eine Datei in einer Größe von bspw. 10 KB dar. Wie es Fig. 1 zu entnehmen ist, umfasst diese Datei verschiedene auf den Web.Cent bezogene Informationen. Vorzugweise gibt es dafür bestimmte Datenfelder: Im Feld 1 steht der reelle Wert W, hier also „1" EuroCent. Im Feld 2 ist eine eindeutige Identifikationsnummer ID in Form eines 32 bitlangen Zahlenkodes. Im Feld 3 wird der Inhaber angegeben, vorzugsweise in Form einer Ident-Nr. Im Datenfeld 4 werden Daten über die Transaktionshistorie 4 gespeichert, wie z.B. Datum aller Transaktionen, oder zumindest der letzten N Transaktionen. Das Feld 5 enthält weitere Parameter.The Web.Cent is a digital currency unit and corresponds to the value after a certain real amount of money, e.g. one or more euro cents. Each Web.Cent represents a file with a size of, for example, 10 KB. As can be seen in FIG. 1, this file comprises various information relating to the Web.Cent. There are preferably certain data fields for this: Field 1 contains the real value W, here "1" EuroCent. Field 2 contains a unique identification number ID in the form of a 32-bit number code. Field 3 specifies the owner, preferably in the form of a ID No. Data about transaction history 4, such as the date of all transactions, or at least the last N transactions, are stored in data field 4. Field 5 contains further parameters.
Die Parameter 5 können verschiedene Informationen umfassen. So kann der Web.Cent ein Verfallsdatum aufweisen. Der Web.Cent kann auch einem bestimmten Werbepartner oder Sponsor zugeordnet sein. Der Web.Cent kann auch auf den Einkauf bei bestimmten Anbietern oder Händlern eingeschränkt sein. Der Web.Cent kann auch bei jedem Einsatz an Wert verlieren oder gewinnen. Die Paramater 5 können auch Informationen zu bestimmten Bonus-, Payback- oder Rabattaktionen enthalten. Über die Parameter 5 kann der Web.Cent auch nur für eine begrenzte Anzahl von Transaktionen einsetzbar sein.The parameters 5 can include various information. The Web.Cent can have an expiry date. The Web.Cent can also be assigned to a specific advertising partner or sponsor. The Web.Cent can also be restricted to purchasing from certain providers or dealers. The Web.Cent can also lose or gain in value with every use. The parameters 5 can also contain information on certain bonus, payback or discount campaigns. Using parameter 5, the Web.Cent can only be used for a limited number of transactions.
Mögliche TransaktionsInformationen, die in der Historie gespeichert werden, können z.B. Datum, Uhrzeit, Ort, Betrag, Transaktionspartner sein. Diese Informationen sind die einem Web.Cent zugeordneten Parameter. Weitere Parameter können ein Verfallsdatum, der Wertverfall oder -gewinn, der Sponsor oder Werbepartner, ein Bonus oder Payback-Wert oder Rabatt sein. Als Parameter können auch Angaben über eine Einschränkung auf bestimmte Produkte und/oder auf Händler sein, sowie eine vorgegebene maximale Transaktionszahl. Außerdem können die Parameter bestimmte Chargen von Web.Cents angeben, z.B. in Form von Nummernblöcken. Das bedeutet, dass einem Sponsor z.B. 1 Millionen WebCents mit den Endnummern „....0" bisPossible transaction information that is stored in the history can e.g. Date, time, place, amount, transaction partner. This information is the parameter assigned to a Web.Cent. Other parameters can be an expiry date, the expiry or gain, the sponsor or advertising partner, a bonus or payback value or discount. Information about a restriction to certain products and / or dealers as well as a predefined maximum number of transactions can also be used as parameters. The parameters can also specify certain batches of Web.Cents, e.g. in the form of number blocks. This means that a sponsor e.g. 1 million WebCents with the end numbers ".... 0" to
"1.000.000" zugeordnet sind. Das gibt zusätzliche Sicherheit. Auch können Angaben zur Stückelung der Geldeinheiten angegeben werden, also etwa Web.Cents in 10, 50, 100 und 1000-er Stückelung."1,000,000" are assigned. This gives additional security. Information on the denomination of monetary units can also be given, e.g. Web.Cents in 10, 50, 100 and 1000 denominations.
Zur Verwendung der Web.Cents ist eine Umgebung mit einer zentralen Datenbank 6, einer sog. Factory 7, mit einer Bank 8 und einer Clearing Stelle 9 vorgesehen (siehe Fig. 2). Die Factory 7 ist die Stelle oder Einheit, welche die digitalen Geldeinheiten (WebCents) herstellt und gegebenenfalls vernichtet. Auch können dort weitere Prozesse, die später noch näher beschrieben werden, durchgeführt werden. Die Bank 8 selbst dient der Abwicklung des Zahlungsverkehrs sowie der Verwaltung von Konten. Die Clearing-Stelle ist eine Stelle oder Einheit, die durchzuführende Transaktionen prüft und absichert.An environment with a central database 6, a so-called factory 7, with a bank 8 and a clearing point 9 is provided for using the Web Centers (see FIG. 2). Factory 7 is the body or unit that produces the digital money units (WebCents) and, if necessary, destroys them. Further processes, which will be described in more detail later, can also be carried out there. Bank 8 itself is used to process payment transactions and to manage accounts. The clearing house is a body or unit that checks and secures transactions to be carried out.
Die genaue Funktion der einzelnen Elemente wird aus der nachfolgenden Beschreibung deutlich. In der Datenbank 6 sind alle vorhandenen Web.Cents jeweils in Form einer eigenen Datei gespeichert. Die Datenbank 6 weist also einen Speicherplatz für jeden existierenden Web.Cent auf.The exact function of the individual elements is clear from the description below. All existing Web Centers are stored in the form of a separate file in database 6. The database 6 therefore has a storage space for each existing Web.Cent.
Gemäß Figur 2 ist die Factory 7 als einzige Instanz in der Lage, die Web. Cent-Dateien in der Datenbank zu verändern, was durch den Dreifachbalken in Figur 2 angedeutet wird. Nur die Factory 7 kann die den Web.Cents zugeordneten Informationen überschreiben oder löschen. Die Bank 8 und die Clearing Stelle 9 hingegen können die Daten der Datenbank 6 lediglich lesen (einfacher Doppelbalken in Figur 2).According to FIG. 2, the factory 7 is the only entity capable of the web. Change Cent files in the database, which is indicated by the triple bar in Figure 2. Only Factory 7 can overwrite or delete the information assigned to the Web.Cents. Bank 8 and clearing point 9, on the other hand, can only read the data from database 6 (simple double bar in FIG. 2).
In einer anderen nicht dargestellten Ausführungsform verfügen auch die Bank 8 und die Clearing Stelle 9 über die Befugnis, die Daten in der Datenbank 6 zu verändern.In another embodiment, not shown, the bank 8 and the clearing house 9 also have the authority to change the data in the database 6.
Die Bank 8 ist die Schnittstelle zu den Inhabern der Web.Cents (z.B. A und B, siehe Fig. 2). Hier kann ein Inhaber einsehen, über wie viele Web.Cents er verfügt und Transaktionen in Auftrag geben.Bank 8 is the interface to the owners of the Web Centers (e.g. A and B, see Fig. 2). Here, an owner can see how many Web.Cents he has and order transactions.
Die Clearing Stelle 9 dient zur Überwachung, Prüfung und Abwicklung der Web.Cent Transaktionen.The clearing house 9 is used to monitor, check and process the Web.Cent transactions.
Es wird nun anhand von Figur 2 eine erfindungsgemäße Transaktion beschrieben:A transaction according to the invention will now be described with reference to FIG. 2:
Der Verbraucher A verfügt bei der Bank 8 über ein Web.Cent- Konto und möchte mit seinen Web.Cents beim Händler B über das Internet bspw. eine Audio-CD kaufen. Dazu weist er die Bank 8 an, den nötigen Betrag an Web.Cents an B zu übertragen (Schritt a) . Daraufhin beauftragt die Bank 8 die Clearing-Stelle 9, eine bestimmte Anzahl von Web.Cents von A auf B umzuschreiben. Dabei übergibt die Bank 8 der Clearing Stelle 9 die ID- Nummern der umzuschreibenden Web.Cents sowie den Namen des bisherigen Inhabers A und den Namen des künftigen Inhabers B.Consumer A has a Web.Cent account at Bank 8 and would like to buy an audio CD with his Web.Cents from dealer B over the Internet. To do this, he instructs bank 8 to transfer the necessary amount of Web.Cents to B (step a). The bank 8 then instructs the clearing house 9 to rewrite a certain number of Web cents from A to B. Bank 8 hands over the clearing house 9 the ID numbers of the Web.Cents to be rewritten as well as the name of the previous holder A and the name of the future holder B.
Nun startet die Clearing Stelle 9 eine Abfrage der Datenbank 6, um zu überprüfen, ob den angegebenen ID-Nummern auch wirklich entsprechenden Web.Cents in der Datenbank 6 zugeordnet sind. Falls die ID-Nummern nach einem bestimmten Muster vergeben wurden (Pseudo-Random) , kann die Clearing Stelle 9 an dieser Stelle auch überprüfen, ob die angegebenen ID-Nummern in das verwendete Schema passen.Now the clearing house 9 starts a query in the database 6 in order to check whether the specified ID numbers are actually assigned to corresponding Web.Cents in the database 6. If the ID numbers were assigned according to a certain pattern (pseudo-random), the clearing house 9 can also check at this point whether the specified ID numbers fit into the scheme used.
Weiterhin überprüft die Clearing Stelle 9, ob die zur Umschreibung angegebenen Web.Cents auch wirklich dem A gehören. Dazu wird bei jeder Web.Cent-Datei der aus dem Datenfeld 3 der Inhaber ausgelesen und mit dem Namen des A verglichen. Anhand der Parameter 5 kann die Clearing Stelle 9 noch weitere Überprüfungen durchführen.Clearing house 9 also checks whether the Web.Cents specified for the description really belong to A. For this purpose, the owner of each Web.Cent file is read from data field 3 and compared with the name of the A. The clearing house 9 can carry out further checks on the basis of the parameters 5.
So kann z.B. das Verfallsdatum der Web.Cents überprüft werden, falls diese mit einem solchen versehen sind. Falls die Web.Cents nur zum Einkauf bestimmter Produkte vorgesehen sind, kann die Clearing Stelle durch die Bank zusätzlich Informationen über die Art des Einkaufs erhalten, und diese Information mit dem entsprechenden Parameter 5 vergleichen.For example, the expiry date of the Web.Cents are checked if they are provided with one. If the Web.Cents are only intended for the purchase of certain products, the clearing house can receive additional information about the type of purchase from the bank and compare this information with the corresponding parameter 5.
Vorzugsweise greift die Clearing Stelle 9 beim Abfragen der Datenbank 6 auf die Transaktionshistorie (Datenfeld 4) jedes zu übertragenden Web.Cents zu. Die Historie wird auf Plausibilität überprüft, d.h. es wird überprüft, ob anhand der Historie anzunehmen ist, dass A der rechtmäßige Inhaber des jeweiligen Web.Cents ist.When the database 6 is queried, the clearing point 9 preferably accesses the transaction history (data field 4) of each Web cent to be transmitted. The history is checked for plausibility, ie it is checked whether it can be assumed from the history that A is the rightful owner of the respective web cent.
Wenn die Überprüfung durch die Clearing Stelle 9 negativ ausfällt, wird die Umschreibung der Web.Cents abgebrochen. Verläuft die Überprüfung positiv, so weist die Clearing Stelle 9 die Factory 7 an, die entsprechenden Web.Cents von A auf B umzuschreiben (Schritt d) . Im Schritt e überschreibt dann die Factory 7 die entsprechenden Daten in der Datenbank 6.If the check by the clearing house 9 is negative, the rewriting of the Web.Cents is canceled. If the check is positive, the clearing house 9 instructs the factory 7 to rewrite the corresponding Web Centers from A to B (step d). In step e, the factory 7 then overwrites the corresponding data in the database 6.
Nun informiert die Clearing Stelle 9 die Bank 8, dass die Transaktion erfolgreich abgeschlossen wurde (Schritt f). Schließlich wird diese Information durch die Bank an A und B weitergegeben (Schritt g) .The clearing house 9 now informs the bank 8 that the transaction has been successfully completed (step f). Finally, this information is passed through the bank to A and B (step g).
Falls die Clearing Stelle 9 oder die Bank 8 über die Befugnis verfügen, die Daten der Datenbank 6 zu verändern, kann auch die Clearing Stelle 9 oder die Bank 8 anstelle der Factory 7 die entsprechende Umschreibung der Daten in der Datenbank 6 durchführen. In diesem Fall nimmt die Factory 7 am Transfer der Web.Cents nicht teil.If the clearing house 9 or the bank 8 are authorized to change the data in the database 6, the clearing house 9 or the bank 8 can also carry out the corresponding rewriting of the data in the database 6 instead of the factory 7. In this case Factory 7 does not take part in the transfer of Web.Cents.
Die Fig. 3 veranschaulicht, wie Web.Cents erschaffen und vernichtet werden können.Figure 3 illustrates how Web Centers can be created and destroyed.
Verbraucher A möchte sein Web.Cent-Konto aufstocken. Dazu zahlt er bei seiner Bank einen bestimmten Geldbetrag ein (Schritt a) . Daraufhin weist die Bank 8 die Factory 7 an, digitale Geldeinheiten (Web.Cents) im entsprechenden Gegenwert zu erschaffen (Schritt b). Die Factory 7 greift auf die Datenbank 6 zu und erstellt in dieser entsprechende neue Web.Cent Datensätze (Schritt c). Die neuen Web.Cents werden mit einem Wert (W im Feld 1), einer ID-Nu mer (ID im Feld 2), einem Inhaber (im Feld 3), einer Historie (im Feld 4) und gegebenenfalls mit mehreren Parametern (im Feld 5) versehen.Consumer A wants to increase his Web.Cent account. To do this, he deposits a certain amount of money with his bank (step a). The bank 8 then instructs the factory 7 to create digital monetary units (Web.Cents) in the corresponding countervalue (step b). Factory 7 accesses database 6 and creates corresponding new Web.Cent data sets (step c). The new Web.Cents are given a value (W in field 1), an ID number (ID in field 2), a holder (in field 3), a history (in field 4) and If necessary, add several parameters (in field 5).
Im letzten Schritt d informiert die Bank 8 den Kunden A über die erfolgte Gutschrift neuer Web.Cents.In the last step d, bank 8 informs customer A that new Web.Cents have been credited.
Der Kunde kann als Internet-User die WebCents online bestellen, indem er z.B. eine Online-Überweisung auf das Konto des WebCent-Providers durchführt, der dann die bestellten WebCents in seiner Factory herstellt und an den User liefert.As an Internet user, the customer can order the WebCents online, e.g. by carries out an online transfer to the account of the WebCent provider, who then produces the WebCents ordered in his factory and delivers them to the user.
Dadurch, dass die Web.Cents erfindungsgemäß mit zusätzlichen Informationen, insbesondere dem Inhaber (Feld 3) und der Historie (Feld 4)sowie weiteren Parametern (Feld 5) versehen sind, wird eine Fälschung oder ein Missbrauch der Web.Cents wesentlich erschwert. Dank der Zusatzinformationen können die Web.Cents zudem für besondere Marketingzwecke wie Werbung, Sponsoring, Rabattaktionen oder dergleichen eingesetzt werden. Anhand der Zusatzinformationen, insbesondere der Transaktionshistorie, können auch verschiedene statistische Informationen über die Web.Cents und deren Nutzung gesammelt werden.The fact that the Web.Cents are provided with additional information according to the invention, in particular the owner (field 3) and the history (field 4) and further parameters (field 5), makes it much more difficult to forge or misuse the Web.Cents. Thanks to the additional information, the Web.Cents can also be used for special marketing purposes such as advertising, sponsoring, discount campaigns or the like. On the basis of the additional information, in particular the transaction history, various statistical information about the Web.Cents and their use can also be collected.
Die WebCents können gezielt hergestellt werden für Promotionen eines bestimmten Sponsors oder für bestimmte Aktionszeiträume (SommerGutschein) usw. The WebCents can be produced specifically for promotions of a specific sponsor or for specific campaign periods (summer vouchers) etc.

Claims

Patentansprüche claims
1. Elektronisches Zahlungssystem mit digitalen Geldeinheiten, wobei jede Geldeinheit aus einer Datei besteht, wobei die Datei Identifizierungsdaten zur eindeutigen Identifikation der Geldeinheit aufweist, dadurch gekennzeichnet, dass die Datei zusätzlich zu den Identifizierungsdaten weitere, auf die Geldeinheit bezogene Daten umfasst.1. Electronic payment system with digital monetary units, each monetary unit consisting of a file, the file having identification data for uniquely identifying the monetary unit, characterized in that the file includes additional data relating to the monetary unit in addition to the identification data.
2. Elektronisches ZahlungsSystem nach Anspruch 1, dadurch gekennzeichnet, dass die weiteren Daten Informationen über mit der Geldeinheit abgewickelte Transaktionen in Form einer Transaktionshistorie umfassen.2. Electronic payment system according to claim 1, characterized in that the further data comprise information about transactions processed with the monetary unit in the form of a transaction history.
3. Elektronisches Zahlungssystem nach Anspruch 1 oder 2, dadurch gekennzeichnet, dass die weiteren Daten Informationen über eine zu der Geldeinheit in Beziehung stehende Person umfassen.3. Electronic payment system according to claim 1 or 2, characterized in that the further data comprise information about a person related to the monetary unit.
4. Elektronisches Zahlungssystem nach Anspruch 3, dadurch gekennzeichnet, dass die Person der Eigentümer und/oder Besitzer der Geldeinheit ist.4. Electronic payment system according to claim 3, characterized in that the person is the owner and / or owner of the monetary unit.
5. Elektronisches ZahlungsSystem nach Anspruch 3, dadurch gekennzeichnet, dass die Person der Sponsor oder Werbepartner der Geldeinheit ist.5. Electronic payment system according to claim 3, characterized in that the person is the sponsor or advertising partner of the monetary unit.
6. Elektronisches Zahlungssystem nach einem der vorhergehenden Ansprüche, dadurch gekennzeichnet, dass die weiteren Daten Informationen über die erlaubten Verwendungsmöglichkeiten der Geldeinheit umfassen. 6. Electronic payment system according to one of the preceding claims, characterized in that the further data comprise information about the permitted uses of the monetary unit.
7. Elektronisches Zahlungssystem nach einem der vorhergehenden Ansprüche, dadurch gekennzeichnet, dass die weiteren Daten Informationen über die Gültigkeitsdauer der Geldeinheit umfassen.7. Electronic payment system according to one of the preceding claims, characterized in that the further data comprise information about the period of validity of the monetary unit.
8. Elektronisches Zahlungssystem nach einem der vorhergehenden Ansprüche, dadurch gekennzeichnet, dass die Geldeinheiten in Gruppen zusammenfassbar sind.8. Electronic payment system according to one of the preceding claims, characterized in that the monetary units can be summarized in groups.
9. Elektronisches Zahlungssystem nach einem der vorhergehenden Ansprüche, dadurch gekennzeichnet, dass die weiteren Daten Bonus-, Payback- oder Rabattinformationen umfassen.9. Electronic payment system according to one of the preceding claims, characterized in that the further data comprise bonus, payback or discount information.
10. Elektronisches Zahlungssystem nach einem der vorhergehenden Ansprüche, dadurch gekennzeichnet, dass der Wert einer Geldeinheit in Folge einer Transaktion veränderbar ist.10. Electronic payment system according to one of the preceding claims, characterized in that the value of a monetary unit can be changed as a result of a transaction.
11. Elektronisches Zahlungssystem nach Anspruch 10, dadurch gekennzeichnet, dass die weiteren Daten Informationen über den momentanen Wert der Geldeinheit umfassen. 11. Electronic payment system according to claim 10, characterized in that the further data comprise information about the current value of the monetary unit.
PCT/EP2005/004756 2004-04-30 2005-05-02 Electronic payment system comprising digital monetary units WO2005109359A1 (en)

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DE102004021814.5 2004-04-30
DE200410021814 DE102004021814A1 (en) 2004-04-30 2004-04-30 Electronic payment system using digital monetary units has file with identification data for each monetary unit, plus additional data relating to monetary unit
US57103204P 2004-05-14 2004-05-14
US60/571,032 2004-05-14

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EP3226191A1 (en) * 2016-04-03 2017-10-04 Trinkaus, Hans Alternate instrument of payment, highly personalized, weak personalized or no personalization

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