WO2012089199A1

WO2012089199A1 - Payment system and payment method

Info

Publication number: WO2012089199A1
Application number: PCT/DE2011/002188
Authority: WO
Inventors: Philipp Zhaoming JOHN; Christian CHYZYK
Original assignee: MIGOTSCH, Thomas
Priority date: 2010-12-30
Filing date: 2011-12-30
Publication date: 2012-07-05

Abstract

The invention relates to a payment system (1) for a payment sender for an appropriated payment in favour of a payment user and a redemption location, containing network devices (2) and, connected by means of the latter, a payment sender terminal (3), processing devices (4), memory devices (5) having a payment user database (6), having a redemption location database (7) and having a product database (8) for the redemption location database (7), a payment user terminal (9) and a redemption location terminal (10), wherein the payment sender terminal (3) is designed to use the network devices (2) to prompt the processing devices (4) to allow the payment sender - to select a payment user from the payment user database (6) in the memory devices (5), a redemption location from the redemption location database (7) in the memory devices (5), and a product, which said payment sender is intended to pay for on behalf of the selected payment user, from the redemption location from the product database (8) for the redemption location database (7) in the memory devices (5), and - to provide a payment order for the product which is intended to be paid for in favour of the payment user and the redemption location, possibly according to its account database (11), for a payment sender database (12) in the memory devices (5) or by means of current data input via the network devices (2) to the processing devices (4), and wherein the processing devices (4) are designed to use the network devices (2) - to send information about the redemption location, the product and the accomplished payment order by the payment sender and also a payment user authentication to the payment user terminal (9) of the benefited payment user, and - to send information about the product and the accomplished payment order by the payment sender and also a redemption location authentication to the redemption location terminal (10) of the benefited redemption location, so that the payment user obtains the product according to the payment order from the redemption location by virtue of the payment user authentication from his payment user terminal (9) and/or by virtue of the redemption location authentication from the redemption location terminal (10). In addition, the invention relates to a payment method that can be carried out using this payment system (1).

Description

Payment system and payment method

The invention relates to a payment system and a payment method, the peculiarity being that a user, referred to as a payment sender, for a different user, referred to as a payment user, who is located at another location, called a redemption location, has one Makes payment in advance, and in particular may invite the other user residing elsewhere to use the advance payment, in particular for a specific product or type of product.

For this purpose, systems have become known only from practice, but they were so cumbersome that they were each set again. The problems of such systems for beverage payments in advance for others consisted in

that only one account of the other user residing in another location could be credited, which he could redeem, albeit without purpose limitation,

that at the redemption offices prepared code lists had to be used on paper, or

that vouchers had to be registered online and sent out in paper form.

The present invention has and aims to provide a payment system and a payment method for third parties, whereby earmarked donations can be safely and easily given to third parties.

This object of the invention is achieved with a payment system according to claim 1 and a payment method according to claim 16. Advantageous and preferred further embodiments are specified in the respective dependent claims.

The invention thus also provides, in particular, a payment system for prepayments of payment senders in favor of payment users at redemption sites for such payments, which payment system contains network facilities for data transmission and connected thereto:

- Unit of account data storage devices with product data from points of sale,

Payment user location and storage facilities for determining and at least temporarily storing a location of the payment user, Payment sender terminal means for accessing the payee storage means for determining a payment user whereabouts by the pay sender, and

Processing facilities for transferring product data of a redemption location matching the whereabouts of the number of users to the payment sender

Terminal facilities,

the payment terminal equipment is further designed

for selecting a product from the product data of the redemption point matching the whereabouts of the payment user.

- to electronically pay the selected product in advance to the redemption office for the benefit of the payee, and

for transmitting identification data of the payment user to redemption terminal facilities,

and wherein the processing means are designed

- store the electronic advance payment made for crediting the beneficiary redemption agency in the redemption agency data storage facilities, and

to transmit an electronic payment confirmation to the redemption terminal facilities and / or to payment user terminal facilities.

Furthermore, the invention further provides a payment system for prepayments of payment channels in favor of payment users at redemption sites for such payments, which payment system includes network facilities for data transmission and connected thereto:

Redemption data storage facilities with product data from redemption sites,

Payment sender terminal means for accessing the redemption data storage means for selecting from the product data by the payment sender, for electronically paying according to selected product data in advance to the redemption office in favor of the payee, and for transmitting payment user identification data to redemption terminal facilities, and

Processing means adapted to store the effected electronic advance payment for crediting the favored redemption agency in the redemption data storage means and to transmit an electronic payment confirmation to the redemption terminal facilities and to payment user terminal facilities.

Preferably the payment terminal equipment is provided by a stationary or mobile computer or a handheld or tablet computer (or book) or a particular intemetfahiges mobile phone or other devices are formed, such as online MP3 players or digital cameras.

The pay-as user terminal devices are preferably formed by a mobile computer or a handheld or tablet computer (or netbook) or a particular intemetfahiges mobile phone or other devices, such as online MP3 players or digital cameras.

The redemption terminal devices are preferably formed by a stationary or mobile computer or a handheld or tablet computer (or netbook), with further preference reading devices for an electronic payment confirmation from the payment user terminal devices for authentication of the payment user and / or the product delivery are provided.

Furthermore, it is preferred if the payment sender terminal devices are designed to transmit a request and / or announcement of an advance payment to a specific redemption point in favor of a payment user at his payment user terminal devices. In this case, it can furthermore be provided with preference that the processing devices are designed to accept an electronic advance payment only in response to an acceptance confirmation received from the payment user terminal devices by the payment user.

A further preferred embodiment consists in that the processing devices are designed to book as advance payment only a partial amount or a down payment and only to book the remaining amount upon redemption of the instructed advance payment.

Furthermore, it can be provided with preference that the processing devices manage a particular adjustable time window, so that the advance payment is fully or partially booked back if the advance payment is not redeemed within the time window. Alternatively, it may also be provided that unused prepayments are expired, i. remain with the service provider or operator.

A further realization of the invention consists in a payment method for payments in advance of payments in favor of payment users at redemption sites for such payments, via network facilities for data transmission

is determined by payment user location and storage facilities a location of the payment user and at least temporarily stored, accessing payment user terminal storage facilities via payment sender terminal facilities to determine a payment user whereabouts by the payment sender;

by means of processing devices, product data of a redemption location matching the whereabouts of the payee are transmitted from redemption point data storage devices to the payment sender terminal devices,

by means of the payment sender terminal devices, a product is selected from the product data of the redeeming point matching the whereabouts of the payment user and paid in advance electronically, and identification data of the payment user is transferred to debit-terminal facilities, and

the electronic pre-payment effected for the purpose of crediting the beneficiary redemption agency is stored in the redemption agency data storage facilities by means of the processing facilities, and an electronic payment confirmation is transmitted to the redemption terminal facilities and / or payment user terminal facilities.

The present invention is further realized with a payment method for prepayments of payment channels in favor of payment users at redemption sites for such payments, via network facilities for data transmission

by means of payment sender terminal facilities on redemption site data storage facilities for selecting from product data a redemption location by the

Is paid electronically according to selected product data in advance to the redemption office in favor of the payment user, and identification data of the payment user are transmitted to redemption terminal facilities, and

- by means of processing restrictions the electronic advance payment made for crediting the beneficiary redemption agency is stored in the redemption agency data storage facilities and an electronic payment confirmation is transmitted to the redemption terminal facilities and to payment user terminal facilities.

Preferably, a stationary o- the mobile computer or a handheld or tablet computer or a particular internet-enabled mobile phone is used as payment sender terminal devices, with advantage other devices can be used, such as online MP3 players or digital cameras.

The payment user terminal devices are preferably by a mobile computer or a handheld or tablet computer or a particular Internet-enabled Cellphone formed, with advantage, other devices can be used, such as online MP3 players or digital cameras.

As a debit terminal facilities preferably a stationary or mobile computer or a handheld or tablet computer (or netbook) are used, with further preference reading devices for electronic payment confirmation from the payment user terminal facilities for authentication of the payment user and / or Product delivery will be used.

It is particularly preferred in this case if the electronic payment confirmation is a barcode, graphic code, matrix code or character code and in particular possibly read by means of the reading devices of the Einiösestellen- terminal devices of the payment user terminal devices.

Furthermore, it is preferred if a request and / or announcement of an advance payment to a specific redemption agency is transmitted to the payment user terminal equipment in favor of a payment user by means of the payment sender terminal equipment. In this case, it can furthermore be provided with preference that an electronic advance payment is only accepted by the payment user in accordance with an acceptance confirmation received from the payment user terminal devices by means of the processing devices.

A further preferred refinement consists in the fact that only a partial amount or a down payment is booked by means of the processing facilities as an advance payment, and the remaining amount is booked only when the instructed advance payment is redeemed.

Furthermore, it can be provided with preference that the processing facilities manage a particular adjustable time window, so that the advance payment is fully or partially booked back if the advance payment is not redeemed within the time window. Alternatively, it may also be provided that unused prepayments are expired, i. remain with the service provider or operator.

The payment system according to the invention and the payment method according to the invention can be used, for example, to give friends drinks, if one has determined their whereabouts in a restaurant by means of technically known mobile phone positioning systems. You buy and pay for a drink over a mobile network or over the Internet in a local for the friend there, without having to be present, and the purchase is communicated to the local and credited. The favored friend can also be notified, for example, to his mobile phone via text message, MMS or e-mail and gets at least the donated drink. But you can also send, for example, a juvenile, but still underage child for shopping, without fear that it will lose money or get paid or the money used for shopping elsewhere. The money for a product or product type, such as a pair of jeans, will be credited to the store where the purchase is to be made. The child identifies itself with the payment confirmation on its own mobile phone when paying for the product ultimately purchased and the payment confirmation is compared with the data received by the redemption agency via the processing facilities, for example by means of the redemption terminal facilities. The money can not land anywhere else. If it does not come to the purchase, because eg the correct jeans size is not in stock, already paid money can be transferred back. This payment method is absolutely safe for all participants and thus also for the redeeming office, as for example a boutique, because there is no need to wait for a later payment, and the child does not have any generally usable means of payment such as cash, bank card or credit card. The money is only paid for a positive comparison between the redeeming point (boutique, shop, cinema, etc.) and payment users (child, employees, etc.) for exactly the desired product or service.

The invention will now be described by way of example only with reference to exemplary embodiments with reference to the drawing, in which

Fig. 1 is a schematic diagram of a payment system,

2 illustrates possible embodiments of the payment sender terminal,

3 shows possible embodiments of the payment user terminal,

4 illustrates possible embodiments of the redemption terminal,

Fig. 5 is a schematic diagram of memory devices, and

Fig. 6 is a flowchart for the application of a concrete embodiment of the payment system and payment method for dispensing a beverage.

With reference to the embodiments and examples of application described below, the invention will be explained only by way of example, i. it is not limited to these embodiments and examples of application or to the respective feature combinations within individual embodiments and applications. Process and device features also result analogously from device or process descriptions.

Individual features that are given in connection with concrete embodiments are not limited to these embodiments or the combination with the other features of these embodiments, but may be in the context of technically possible, with any other variants, even if they are not treated separately in these documents.

The individual components of the payment system 1 and their embodiments will now be explained with reference to FIGS. 1 to 6.

The payment system 1 for a payment server for a purposeful payment in favor of a payment user and a redemption agency contains network facilities 2 and connected thereto a payment sender terminal 3, processing facilities 4, storage facilities 5 with a payment user database 6, a redemption database 7 and a product database 8 to the redemption database 7, a payment user terminal 9 and a redemption terminal 10. The storage devices 5 and their components are not necessarily combined in one device.

The payment sender terminal 3 is designed to allow the payment sender via the network devices 2 by the processing devices 4,

a payment user from the payment user database 6 of the storage devices 5, a redemption point from the redemption database 7 of the storage devices 5, and one of them for the selected payment user to pay product of the redemption point from the product database 8 to the redemption database of the storage devices 7 5, and

a payment order for the product to be paid for the benefit of the payment user and the redemption office, if applicable, in accordance with his account database 11 for a payment transaction

Database 12 of the memory devices 5 or current data input via the network devices 2 to the processing means 4 to give.

The processing devices 4 are designed via the network devices

2

to send to the payment user terminal 9 of the beneficiary payment user information about the redemption location, the product and the payment order made by the payment sender and a payment user authentication, and

send to the redemption agency terminal 10 the beneficiary redemption agency information about the product and the payment order made by the payment sender as well as an Eirilösesrellen aurherrifizierung.

Upon receipt of the authentication, the payment user of the redemption office can obtain the product corresponding to the payment order by the payment user authentication from his payment user terminal 9 and / or the redemption authentication from the redemption terminal 10. Preferably, the processing devices 4 are designed to verify the payment sender when logging on to the payment sender terminal 3 via the network devices 2 into the processing devices 4 on the basis of a payment sender database 12 of the storage devices 5. Alternatively or additionally, it may be provided that the processing devices 4 are designed to verify and process the payment order in favor of the redemption point via the network devices 2 through the redemption database 7, if appropriate according to their account database 13.

Furthermore, the storage devices 5 are in particular designed to store in one or possibly the payment sender database 12 of the storage devices 5 for the payment order the payment user, the redemption point and the product, and / or in the payment user database 6 of the storage devices 5 to the payment order the sender, redemption and product, and / or

in the redemption database 7 or the product database 8 to the redemption database 7 of the storage devices 5 to the payment order the payment sender, the payment user and the product.

In the case of the payment system 1, the processing devices 4 are preferably also designed to send information about the payment user via the network devices 2 to a redemption terminal 10 of the preferred redemption point. Furthermore, the payment user terminal 9 and / or the redemption terminal 10 can be designed to make an acknowledgment of the issue of the product from the redemption point to the payment user via the network devices 2 to the processing devices 4. In this case, the processing devices 4 are preferably designed further, the acknowledgment of the output of the product in the payment sender database 12, the payment user database 6, the redemption site database 7 and / or the product database 8 to the redemption database 7, respectively Store storage devices 5 to the payment order.

Yet another preferred embodiment of the processing devices 4 is that at the earliest after successful payment order and after the issue of the product from the redemption office to the payment user actually a credit in accordance with the payment order in favor of the redemption agency in the account database 13 of the redemption data bank 7 is initiated. For further security of the payment or billing design can also be provided that the processing means 4 are designed after payment order a credit note initially only a partial amount according to the payment order and only after the issue of the product from the redemption office to the payment user a credit according to the outstanding balance of the payment order in favor of the redemption if necessary, arrange for the redemption database 7 in the account database 13. Yet another advantageous Gestaltungsmöglichkeit of the payment system 1 is that the processing means 4 are designed to manage a particular adjustable time slot and actually a credit in accordance with the payment order in favor of the Einlöse- place possibly in the account database 13 of the redemption database 7 only to cause if the product is being delivered from the redemption office to the payment user within the time window. In order to reach a payment user virtually on site, ie where he can and should actually use a payment, it is advantageously provided that the payment user terminal is a mobile payment user terminal 9 and also provides location devices (not shown) are by means of which a location of the mobile payment user terminal 9 can be determined, so that depending on a redemption point in the redemption database of the storage devices 5 5 is selectable.

The payment sender terminal 3 and / or the payment user terminal 9 may each contain a stationary or mobile computer or a handheld or tablet computer (or netbook) or a particular internet-enabled mobile phone / smartphone or other mobile internet access device, such as online MP3 players or digital cameras. The point-of-entry terminal 10 may include a stationary or mobile computer, a handheld or tablet computer (or netbook), a wireless ordering device, and / or another mobile Internet access device.

The payment system 1 further preferably includes a redemption terminal 10 having manual input devices and / or readers for entering / acquiring the payment user authentication from the payment user terminal. In particular, a bar code, graphic code, matrix code or character code is provided as payment user authentication.

In order to prevent unknown payment users from being arbitrarily bothered, it can also be advantageously provided that the processing devices 4 are designed to request and / or announce a preferential treatment to the payment user before selecting a payment user via the network devices 1 by the processing devices 4. Terminal 9 of a payment user, and wherein the payment user is only selectable if he confirms the request and / or announcement by the payment user terminal 9 via the network devices 2 by the processing means 4. With such a payment system 1, a payment method for a payment sender for a purpose-based payment in favor of a payment user and a redemption office can now be carried out, with

a) a selection step, in which the payment sender at the payment sender terminal 3 selects a payment user from the payment user database 6 of the storage devices 5 via the network devices 2 by the processing devices 4,

a redemption point from the redemption database 7 of the storage devices 5, and

a product of the redemption agency to be paid by him for the selected payment user from the product database 8 to the redemption database 7 of the storage devices 5,

b) a payment order step in which the payment sender at the payment sender terminal 3 a payment order for the product to be paid in favor of the payment user and the redemption office if necessary according to his account database 11 to the payment sender database 12 of the memory devices 5 or current data input via the network devices 2 the processing means 4 gives

c) an authentication step, in which the processing devices 4 via the network devices 2

send to the payment user terminal 9 of the beneficiary payment user information about the redemption location, the product and the payment order made by the payment sender and a payment user authentication, and

send, to a redemption terminal 10, the beneficiary redemption agency with information about the product and the payment order made by the payment sender, as well as a redemption agency; and

d) a service step in which the payment user receives from the redemption office by the payment user authentication of his payment user terminal 9 and / or the redemption authentication from the redemption terminal 10, the product according to the payment order.

To increase security, it is provided within the scope of preferred embodiments that before the selection step the payment sender logs on to the payment sender terminal 3 via the network devices 2 in the processing means 4 and the processing means 4 the payment sender using a payment sender database Verify 12 of memory devices. Advantageously, it can further be provided that, after the payment order step, the processing devices 4 verify and process the payment order in favor of the redemption point via the network devices 2 through the redemption database 7, if appropriate according to their account database 13.

In particular, the processing means 4 store after the payment order step

in one or, if appropriate, the payment sender database 12 of the storage devices 5 for the payment order, the payment user, the redemption point and the product, and / or in the payment user database of the storage devices to the payment order the payment sender, the redemption point and the product, and / or

It can further be provided that the processing devices 4 in the authentication step send information about the payment user via the network devices 4 10 to a redemption terminal of the recipient redemption point. Another refinement contributing to the security of the corresponding transactions is that, after the service step, the issue of the product from the redemption office to the payment user is acknowledged by the payment user terminal 9 and / or the redemption terminal 10 via the network devices 2 Processing devices 4. It may be further provided that the processing means 4, the acknowledgment of the output of the product in the payment sender database 12, the payment user database 6, the redemption site database 7 and / or the product database 8 to the redemption database 7 store each of the storage devices 5 to the payment order.

Preferably, the processing means 4 cause at the earliest after the

Paying order step and at the latest after the performance step actually a credit according to the payment order in favor of the redemption agency, if necessary, in the account database 13 of the redemption database 7. In addition or alternatively, it can be provided that the processing means 4 after the payment order step a credit first only a partial amount in accordance the payment order and only after the performance step, a credit in accordance with the open remainder of the payment order in favor of the redemption agency possibly in the account database 13 of the redemption site database 7 cause. Yet another design of the actual credit can be such that the processing devices 4 manage a particular adjustable time window and actually a credit note according to the if necessary, initiate the payment order in favor of the redemption office in the account database 13 of the redemption database 7 only if the service step takes place within the time window.

To benefit a payment user who is on the way, the payment method advantageously provides that the payment user terminal is a mobile payment user terminal 9 and a location of the mobile payment user terminal 9 is determined by means of location devices (not shown) and a redemption location depending thereon in the redemption database 7 of the storage devices 5 is selected.

In order to avoid payments or payment orders in favor of people who do not wish such a contact, it can be advantageously provided that before selecting a payment user in the selection step by means of the payment sender terminal 3 via the network devices 2 by the processing means 4, a request and / or or announcement of a favoritism to the payment user terminal 9 of a payment user, and that the payment user can only be selected if he confirms the request and / or announcement by the payment user terminal 9 via the network devices 2 by the processing devices 4.

A first embodiment of the payment method is illustrated in the flowchart in FIG. 6. In step S1, the payment system is called and started in step S2. In step S3, a location is first selected, resulting in a display AI of the available redemption locations, such as stores and restaurants. The desired redemption location is then selected in step S4, whereupon, at a selected location, the beverage list is then displayed (A2). Now, in step S5, a beverage selection can be made, i. it can be one drink or several drinks can be selected. The selection is confirmed in step S6. For security purposes, the form of the redemption office and the product (s) is then displayed as a form to be sent to the redemption office (shipping form) (a3); in the case of errors, a correction would still be possible in the exemplary embodiment at this point in the sequence. If everything is ok, you can proceed with the payment in step S7. This is followed by the selection and information of the payment user in step S8. With the confirmation of the last input, the process then ends in step S9.

In the following, further exemplary embodiments and implementation possibilities will be explained by way of example, wherein due to the simplicity of the relationships, accompanying graphic representations have been dispensed with. In a further embodiment of the process explained above with reference to FIG. 6, reference is made within the scope of a further exemplary embodiment to the dispensing of a beverage to a friend in a restaurant in which one is not currently staying. The payment system and method of this embodiment is a completely novel eg web-based service in the area of lifestyle and gastronomy. Users can as a payment sender in any pubs in Germany give away real drinks online to their friends or acquaintances or acquaintances, the physical sending of vouchers or the like. eliminated. By way of derogation from the sequence according to FIG. 6, the user now selects, for example, a restaurant participating in the payment system and method by locating the location of a mobile telephone of a friend via a common location function and thereby the restaurant, such as a bar, a club, a restaurant, etc., where he is staying is determined. The user selects a desired drink via the online drink list.

The user then enters the e-mail address and / or mobile number of the person to be gifted in a corresponding input mask. The user, who is the payment sender, then pays the selected drink by PayPal, immediate transfer, credit card, etc., whereby corresponding data can also be stored in an account database in storage facilities of the payment system. His gifted friend receives as a payment user authentication a drink code via e-mail and / or SMS to his mobile phone as a barcode, graphic code, matrix code or character code, with which he receives his drink in the selected local. The billing in the local can be done particularly easily when the code is read from the mobile phone of the friend directly with a reader of the premises in the computer, whereby a check or a comparison can be done with a notification of the local from the payment system, such. with a redemption authentication. The automated reading of codes that are displayed on the displays of mobile phones is now technically successful, for example, in the case of tickets and tickets. A character code, such as an ASCII code, but can also be read by a plain text reader or entered manually. In particular, a contactless NFC (Near Field Community) can also be used for the payment system and method.

For example, local or other businesses register to participate in the payment system and process with the operator of the system, who may also act as a security agent, for example, by credits first to him and forwarding to an account of the premises only after redemption of the code he follows. This operator can also verify the accuracy of information provided by both the sender and the payment user as well as the redemption agency. Also, the codes used (authentications) can be logged by the operator of the payment system and method with the Security of transactions continue to increase. Participation in the payment system and procedure can also be made dependent on a registration on the part of the user and the payment user as well as the redemption office, as a result of which, for example, the transfer of credit card details for individual transactions can be dispensed with.

In principle, the payment made should be used for a specific product and should this be ensured. Within the scope of yet another embodiment, however, the payment can for example be credited to the total bill of the recipient, or can be selected from a plurality of drinks. The product selection of the payment sender then itself consists of a selection of several products or even the entire card and the payment order is limited to a specific restaurant or shop or in general a specific redemption location and is therefore earmarked and is furthermore limited in terms of the payment amount.

In yet another embodiment, it is contemplated that the code (authentication) includes a personal code portion and a product code portion, thereby facilitating billing. Also, with a code itself, a plurality of products, such as several drinks, can be donated with a payment process. While the recipient may consume the beverage (s) at any time, it is contemplated, according to yet another embodiment, that the payment is for a certain period only and may be used, such as e.g. an hour or a day. This avoids the need to pay for drinks that, for whatever reason, are not drunk. Whether the full price is then refunded to the sender, or a charge for using the system is retained, may be subject to various criteria, such as monthly sales or the like.

Incidentally, as with credit cards, the cost for the payment system is preferably taken over by the restaurant, which also has various advantages due to the use of the system. New customers can be won as drinks given away attract new customers. No customer will consume the given drink alone. Each customer brings on average two to three additional customers. Customer loyalty and differentiation are achieved through the innovative and exciting concept. The level of awareness is increased. The places in which the payment system and procedure eg drinks, but possibly also food, are given away, appear both at the recipient, as well as the Verschenker, for example, in their facebook or VZ account. Finally, market data can be obtained, such as consumer trends, top 5 drinks, etc. Sales and brand awareness can be massively increased. Friends and acquaintances You can make a fancy gift over any distance. The physical sending of eg vouchers is no longer necessary, as well as the associated time delay. The system can also be used for current cheap specials and offers in restaurants. All friends in social networks (facebook, VZ-networks, etc.) can be informed and involved.

The payment system and procedure is also not limited to the catering industry. Rather, applications with the same advantages are also possible in all other industries. It should be noted that while the present documents and claims refer to a product, it will be understood that it is understood that such services, such as those described in US Pat. Car washes, hairdressing, etc. "donated" or earmarked safe by a person or organization for another person can be paid. The payment system and method is comparable to vouchers, but much easier, faster and cheaper to use. Companies can also cover necessary expenses of their employees with the payment system and procedure, without running the risk that the payments will be used otherwise. There may also be earmarked payments for other e.g. as a gift or even for errands in any kind of shops and also for tickets for activities such. Cinema, theater, sports or concert event are used. The system can also personally not usable season tickets for theaters, sports events, etc. can be passed on in an easy way and will be adequately exploited by allowing participation in individual events to be shared with friends rather than forfeiture.

The technology involved is widely available: Internet connection and computer or mobile phone / smartphone. Platforms can be web pages, store and local web pages (eg via iFrame integration), facebook app or other communities, iPhone app, Android / Blackberry app, Google+, lifestyle websites and flirt portals with mutual benefit. Existing and future cashless payment methods can be easily implemented: PayPal, instant bank transfer, credit card, etc. As authentifications, various formats can be used individually or in combination, so that almost independent of the specific technical facilities at the redemption points, such as specific Readers, a use of the payment system and method is possible. For example, a data matrix and, for example, a multi-part ASCII code can be made available for the same payment process. Of course, the easiest way is the now widely used Datamatrix, currently known from the franking codes for mail. Public terminals can also be used become. Participating stores and restaurants may also provide dedicated terminals for the use of the payment system and method. The preferred registration / setup of all participants has already been addressed. Local then only need more their drinks card and in a promotional and promotional manner to enter a description of the restaurant. In further embodiments, the payment system may be coupled directly to the billing system and / or merchandise management system of the premises. Beverage codes can be registered and dispensed here, past consumption statistics can be viewed and evaluated, or online marketing campaigns can be controlled.

Further advantages and variants of the payment system and method are: advertising opportunities for strategic partners and cooperation partners, such as for new product introductions, for test markets, via competitions and the like, ticket sales directly via the payment system and procedure, special offers or discounts only via the payment system and procedure, special offers only at certain times via the payment system and procedure, special Activities, such as Parties can only be combined with the payment system and procedure, city map and map functions (where are promotions, offers, friends, etc.), birthdays and other celebrations can automatically be given gifts and can not be forgotten, kiming habits can be determined (most consumed drink in the last month, at which hours which drink is drunk, which target group has which favorite drink, how are new products developing, etc.), existing authentication codes (eg for boarding passes for flights, tickets for football matches and the like) can be integrated, Free contingents and remnants of tickets can be arranged easily and quickly, canteen visitors can be controlled to relax peak hours, easy and advantageous combination with systems such as TomTom, Payback, Miles & More, travel market, train, bus, car hire, taxi, cinema, Perfumeries, petrol stations, ticketing (events, concerts), books (eB ooks), hotels, clubs u.v.m.

The invention is illustrated by way of example only and not limited thereto, but includes all variations, modifications, substitutions and combinations that the person skilled in the present documents in particular in the context of the claims and the general representations in the introduction of this description and description take the embodiments and combine with his expert knowledge. In particular, all individual features and design options of the invention and its variants can be combined.

Claims

claims

Payment system (1) for a payment sender for a purposeful payment in favor of a payment user and a redemption agency, containing network facilities (2) and connected thereto a payment sender terminal (3), processing facilities (4), storage facilities (5) with a payment user database (6) a redemption database (7) and a product database (8) to the redemption database (7), a payment user terminal (9) and a redemption terminal (10),

the payment sender terminal (3) being designed to allow the payment sender via the network devices (2) by the processing devices (4),

a payment user from the payment user database (6) of the storage devices (5), a redemption point from the redemption database (7) of the storage devices (5), and a product of the redemption point from the product database to be paid for by the selected payment user (8) to select the redemption database (7) of the storage devices (5), and

a payment order for the product to be paid for the benefit of the payee and the redemption office, if appropriate according to his account database (11) to a payment sender database (12) of the storage devices (5) or via current data input via the network devices (2) to the processing devices (4) to give, and

wherein the processing means (4) are designed to communicate via the network means (2).

to send to the payment user terminal (9) of the beneficiary user information about the redemption location, the product and the payment order made by the payment sender and a payment user authentication, and

send to the redemption agency's debit terminal (10) information about the product and the payment order made by the sender, and a redemption authority;

so that the payment user receives the product from the redemption office through the payment user authentication from his payment user terminal (9) and / or the redemption agency authentication from the redemption terminal (10) according to the payment order.

2. Payment system according to claim 1, wherein the processing means (4) are adapted to the payment sender when logging in the payment sender terminal (3) via the

ERSA I BLA II (KbÜEL 26) Network devices (2) in the processing means (4) on the basis of a payment sender database (12) of the memory devices (5) to verify.

3. payment system according to claim 1 or 2, wherein the processing means (4) are adapted, the payment order in favor of the redemption point on the network devices (2) by the redemption database (7), if appropriate according to their account database (13) verify and process,

4. Payment system according to one of the preceding claims, wherein the memory means (5) are adapted to store

in one or, if appropriate, the payment sender database (12) of the storage devices (5) for the payment order the payment user, the redemption point and the product, and / or in the payment user database (6) of the storage devices (5) to the payment order the payment sender , the redemption point and the product, and / or

in the redemption database (7) or the product database (8) to the redemption database (7) of the storage facilities (5) for the payment order the payment sender, the payment user and the product.

5. Payment system according to one of the preceding claims, wherein the processing means (4) are designed to send information about the payment user via the network devices (2) to a redemption terminal (10) of the preferred redemption location.

6. Payment system according to one of the preceding claims, wherein the payment user terminal (9) and / or the redemption point terminal (10) is designed /, an acknowledgment of the issue of the product from the redemption point to the payment user via the network devices (2 ) to the processing equipment (4).

7. Payment system according to claim 6, wherein the processing means (4) are designed, the acknowledgment of the output of the product in the payment sender database

(12), the payment user database (6), the redemption database (7) and / or the product database (8) to the redemption database (7) each of the storage means (5) to the payment order.

8. Payment system according to one of the preceding claims, wherein the processing devices (4) are designed, at the earliest after successful payment order and after

Issuing the product from the redemption office to the payment user actually a credit in accordance with the payment order in favor of the redemption office, if necessary, in the account database (13) of the redemption database (7) to arrange.

ERSA I BLA II (KLGEL 26)

9. Payment system according to one of the preceding claims, wherein the processing means (4) are designed after payment order a credit note initially only a partial amount according to the payment order and only after the issue of the product from the redemption point to the payment user a credit according to the open balance of the payment order, in each case in favor of the depository, if necessary, in the account database (13) of the redemption agency database (7).

10. Payment system according to one of the preceding claims, wherein the processing means (4) are adapted to manage a particular adjustable time slot and actually a credit in accordance with the payment order in favor of the redemption location, if necessary in the account database (13) of the redemption database (7) only when issuing the product from the redemption office to the payment user within the time window.

1 1. Payment system according to one of the preceding claims, wherein the payment user terminal is a mobile payment user terminal (9) and further provided locating devices, by means of which a location of the mobile payment user terminal (9) is determinable, so that in Depending on a redemption point in the redemption database (7) of the Speichereinriehtungen (5) is selectable.

12. Payment system according to one of the preceding claims,

wherein the payment sender terminal (3) and / or the payment user terminal (9) contains a stationary or mobile computer or a handheld or tablet computer or a particularly internet-enabled mobile phone / smartphone or other mobile internet access device, such as online-enabled MP3 players or digital cameras, and / or

wherein the point-of-entry terminal (10) includes a stationary or mobile computer, a handheld or tablet computer, a wireless order billing device, and / or another mobile Internet access device.

A payment system according to any one of the preceding claims, wherein the redemption terminal (10) includes manual input means and / or means for entering / detecting payment user authentication from the payment user terminal (9).

14. Payment system according to one of the preceding claims, wherein the payment user authentication contains a bar code, graphic code, matrix code or character code.

A payment system according to any one of the preceding claims, wherein the processing means (4) are adapted to request and / or announce a benefit to the payee terminal (9) of a payee prior to selecting a payee via the network devices by the processing means and the payment user can only be selected if he confirms the request and / or announcement by the payment user terminal (9) via the network devices (2) by the processing devices (4).

16. payment method for a payment sender for a purposeful payment in favor of a payment user and a redemption office, with

a) a selection step, in which the payment sender at a payment sender terminal (3) via network devices (2) by processing means (4) selects

a payment user from a payment user database (6) of storage devices (5),

a redemption point from a redemption database (7) of the storage devices (5), and

a product of the redemption office to be paid by him for the selected payment user from a product database (8) to the redemption database (7) of the storage devices (5),

b) a payment order step. in which the payment sender at the payment sender terminal (3) has a payment order for the product to be paid in favor of the payment user and the redemption office according to his account database (1 1) to a payment sender database (12) of the storage devices (5) or via current data entry via the network devices (2) to the processing devices (4), c) an authentication step, in which the processing devices (4) are connected via the network devices (2)

send to the payment user terminal (9) of the beneficiary user information about the redemption location, the product and the payment order made by the payment sender and a payment user authentication, and,

at a redemption terminal (10), send to the redeeming agency information about the product and the payment order made by the sender, and a redemption authority, and, (d) a performance step in which the payment user is cleared by the redemption agency through the

Payment user authentication from its payment user terminal (9) and / or the redemption point authentication from the point-of-use terminal (10) receives the product according to the payment order.

17. Payment method according to claim 16, wherein prior to the selecting step, the payment sender logs in at the payment sender terminal (3) via the network equipment (2) in the processing means (4) and the processing means (4) the payment sender on the basis of a payment sender database (12 ) of memory devices (5).

18. Payment method according to claim 16 or 17, wherein, after the payment order step, the processing facilities (4) verify the payment order in favor of the redemption location via the network facilities (2) through the redemption site database (7) according to their account database (1) and process.

19. Payment method according to one of claims 16 to 18, wherein the processing means (4) store after the payment order step

in one or possibly the payment sender database (2) of the storage devices (5) for the payment order the payment user, the redemption point and the product, and / or in the payment user database (6) of the storage devices (5) to the payment order the payment sender , the redemption point and the product, and / or

- In the redemption database (7) or the product database (8) to the redemption database (7) of the storage devices (5) for the payment order the payment sender, the payment user and the product.

20. Payment method according to one of claims 16 to 19, wherein the processing means (4) in the authentication step via the network devices (2) to a redemption terminal (10) of the preferred redemption point to send information about the payment user.

21. The payment method according to claim 16, wherein after the performance step, the issue of the product from the redemption office to the payment user is acknowledged by the payment user terminal (9) and / or the redemption terminal (10) via the network facilities (2 ) to the processing devices (4).

22. The payment method of claim 21, wherein the processing means (2) acknowledge the issue of the product in the payment sender database (12), the payment user database (6), the redemption database (7) and / or the product Store the database (8) for the redemption database (7) of each of the storage devices (5) to the payment order.

23. payment method according to one of claims 16 to 22, wherein the processing means (4) step at the earliest after the payment order and at the latest after the power step actually a credit in accordance with the payment order in favor of the redemption office in the account database (13) of the redemption office Initiate database (7).

24. Payment method according to one of claims 16 to 23, wherein the processing means (4) after the payment order step, a credit first only a partial amount according to the payment order and only after the performance step a credit according to the open balance of the payment order in favor of the redemption office, if necessary in the account database (13) of the redemption database (7).

25. payment method according to one of claims 16 to 24, wherein the processing means (4) manage a particular adjustable time window and actually only cause a credit in accordance with the payment order in favor of the redemption point in the account database (13) of the redemption database (7) only if the power step occurs within the time window.

26. Payment method according to one of claims 16 to 25, wherein the payment user terminal is a mobile payment user terminal (9) and by means of locating means a location of the mobile payment user terminal (9) is determined and depending on a redemption point in the redemption Database (7) of the memory devices (5) is selected.

27. Payment method according to one of claims 16 to 26,

wherein as payment sender terminal (3) and / or as a payment user terminal (9) a stationary or mobile computer or a handheld or tablet computer or a particular Internet-enabled mobile phone / smartphone or other mobile Internet access device is used, such as online MP3 players or digital cameras, and / or

wherein a stationary or mobile computer, a handheld or tablet computer, a wireless ordering device and / or another mobile Internet access device is used as the point-of-entry terminal (10).

The payment method of any one of claims 16 to 27, wherein the redemption terminal (10) includes manual input devices and / or readers for entering / acquiring the payment user authentication from the payment user terminal (9).

29. A payment method according to any one of claims 16 to 28, wherein the payment user authentication includes a bar code, graphic code, matrix code or character code.

30. The payment method according to claim 16, wherein prior to selecting a payment user in the selecting step by means of the payment sender terminal via the network devices by the processing devices, a request and / or announcement of a preferential treatment is transmitted to the payment user terminal (9) of a payment user, and wherein the payment user can only be selected if he / she requests by the payment user terminal (9) via the network facilities (2) by the processing facilities (4) or announcement confirmed.