초록 ▼

The present invention relates to electronic monetary systems in general, and in particular to measures for making their use easier for an average user. The present invention is based on the idea that the use of electronic money is greatly simplified for a non-expert user, if the Internet Service Pro

The present invention relates to electronic monetary systems in general, and in particular to measures for making their use easier for an average user. The present invention is based on the idea that the use of electronic money is greatly simplified for a non-expert user, if the Internet Service Provider of the user takes care of the payments, and adds corresponding charges on the user's telephone bill. Such functionality requires the intervention of the ISP in the transmissions between a user and a third party, i.e. intercepting the electronic payment requests sent by a merchant. According to the present invention, the ISP uses electronic money on behalf of the user, and charges the payments on the user's telephone bill. The ISP can take care of all technical details necessary for obtaining different forms of electronic money in a centralized manner, and all users of the ISP can use the electronic money obtained by the ISP simply by allowing the ISP to add corresponding charges to their telephone bills. Further, the ISP can obtain all major forms of electronic money, whereafter a user can choose the most economical way of payment, if a merchant accepts payments in more than one form of electronic money.

대표청구항 ▼

[ I claim:] [15.] An electronic payment transaction system joining a first telecommunications network and a second telecommunications network, the system comprising an electronic payment intercepting means including:means for intercepting request for payment messages corresponding to electronic mone

[ I claim:] [15.] An electronic payment transaction system joining a first telecommunications network and a second telecommunications network, the system comprising an electronic payment intercepting means including:means for intercepting request for payment messages corresponding to electronic money in a first form, which messages arrive from the first telecommunications network and are addressed to a user in the second telecommunications network;means for converting said request for payment messages into messages corresponding to electronic money in a second form; andmeans for sending said converted request for payment messages to the user.