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WO2000067170A1 - Paiement par carte pour le commerce electronique - Google Patents

Paiement par carte pour le commerce electronique Download PDF

Info

Publication number
WO2000067170A1
WO2000067170A1 PCT/SE2000/000880 SE0000880W WO0067170A1 WO 2000067170 A1 WO2000067170 A1 WO 2000067170A1 SE 0000880 W SE0000880 W SE 0000880W WO 0067170 A1 WO0067170 A1 WO 0067170A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
card
internet
address
registration
Prior art date
Application number
PCT/SE2000/000880
Other languages
English (en)
Inventor
Göran HOLM
Johan Hultman
Örjan SANDELL
Original Assignee
Telia Ab
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
Application filed by Telia Ab filed Critical Telia Ab
Publication of WO2000067170A1 publication Critical patent/WO2000067170A1/fr

Links

Classifications

    • 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
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • charge card all types of credit cards, pay cards or bank cards which are connected to Visa, MasterCard or equivalent service. This is the absolutely most common method of payment in the international Internet world.
  • the card number is sent to the shopkeeper via, for instance, a web form where a secure communication has been established between the customer' s computer and the server of the selling firm.
  • SSL Secure Sockets Layer
  • An encryption technology existing in most web servers is used.
  • the selling party also must have a secure communication with a bank, which shall decide if the purchase shall be allowed or not.
  • Swedish banks do not at present acknowledge this system, but a number of Swedish firms are using it all the same by means of banks abroad.
  • the identification problem is not dealt with at all in this system.
  • the SSL-protocol includes, to some extent, functions for digital signatures, but these are not used in practice.
  • data integrity the SSL-protocol provides the parties with a reliable communication where data integrity shall be maintained. An encrypted transmission cannot be intercepted/tapped without great difficulties, and interception/tapping is by that made more difficult, which should result in that people will be less afraid of using their card numbers.
  • a big disadvantage of this system is, of course, that the shopkeeper has no support to demand payment for the products and services that have been ordered and/or delivered. He/she will be paid in connection with that the purchase is made, but the consumer then can make a complaint about his/her purchase. Then it is the shopkeeper who has the burden of proof. The buyer does not sign his/her order, and identification of who has ordered cannot be made .
  • the present invention electronic shopping is improved by a shopping service being possible to be offered product- and service sellers by a telecommunications operator.
  • the procedure according to the invention results in that the card owner does not need any specific software or equipment to execute a payment, and that the web shop will have a signed payment, and that it is not necessary to transmit the account number at each purchase.
  • Figure 1 shows a schematic network configuration according to the invention in the form of a block diagram.
  • the invention is constituted by a method to make a direct payment via an open computer network from a subscriber who subscribes to a specific transaction service at a telecommunications operator.
  • the open network is constituted by Internet, which in usual way is connected with an operator's fixed and mobile networks.
  • Selling and buying parties have to, in a business transaction, be sure of that they can identify each other.
  • the buyer wants to know that he/she is paying to the true seller and not to a deceiver.
  • the seller in the same way wants to be sure of with whom he/she is dealing.
  • the buyer can, as we know, after performed purchase, claim that he/she has neither ordered nor received any product or service .
  • the subscription includes, if the customer so desires, that he/she will have access to space in the network that is exposed to customers over Internet. This includes a web shop where there is room for the products/services etc the seller provides for buying via Internet.
  • the subscription also implies that the seller will have confirmation by a signature that the purchase is made, and that payment has been made, and who the buyer is. This is done through the agency of the operator.
  • the subscription means that the web shop, and consequently the seller, will be certified by the operator.
  • the customers who want to buy from the selling firms that have this type of subscription register themselves with the operator and will have a specific PIN-code sent home via mail, or via SMS to the mobile.
  • a customer who intends to use the system behaves in the following way when he/she wants to buy a product or a service via Internet. Enters in the form PIN-code and which brand (type of card) , and further indicates, in a specific menu, which language one wants to use on the Internet.
  • a PIN-code is generated and sent to the address where the person is registered.
  • the PIN-code is also intended to be possible to be distributed with SMS to a mobile telephone.
  • the personal code number is then checked to a given mobile number.
  • the buyer is "transferred" to the bank and sees a page with payment information filled in, to make it possible for the buyer to execute the payment. After executed payment, status is reported back to the ES-system. Status is shown to the buyer and to the seller in later phases. The seller can indicate payment as performed if reporting back has not been successful.
  • a specific Transact agent manages a number of administrative functions and makes an inquiry via gateway about previously indicated payer if the purchase is OK. If everything is OK, the purchase is accomplished. Further, it manages all transactions and makes necessary checks, for instance that the sum of the purchase is kept within agreed limits.
  • the payment agent has the task to perform a number of predetermined payment operations, perform payments, reversions, crediting, depending on what happens to the payment .
  • Transact is a software which is implemented in a number of computers and web servers and in principle exists in Telia's network with a number of firewalls that protect Transact .

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Finance (AREA)

Abstract

L'invention concerne un procédé permettant à un abonné qui s'abonne à un service de transaction spécial auprès d'un opérateur de télécommunications, d'effectuer un paiement direct par un réseau informatique ouvert. Le réseau ouvert est constitué de l'Internet qui, de manière conventionnelle, est relié à un réseau fixe et à un réseau mobile d'un opérateur de telle façon qu'un client de l'opérateur demande l'adhésion et l'enregistrement d'une carte de paiement/carte de crédit destinée à être utilisée pour le paiement via l'Internet. A cette occasion le nom, le mode de paiement, l'adresse, le numéro d'identification personnel et le numéro de la carte sont spécifiés ; le système d'achat électronique (système AE) consulte la base de données (DAFA/SPAR) pour obtenir l'adresse de domiciliation du client puis le système envoie à l'adresse de domiciliation du client un courrier contenant les informations sur le code NIP que le client peut utiliser pour effectuer le paiement via l'Internet.
PCT/SE2000/000880 1999-05-03 2000-05-03 Paiement par carte pour le commerce electronique WO2000067170A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SE9901626-3 1999-05-03
SE9901626A SE9901626D0 (sv) 1999-05-03 1999-05-03 Kortbetalning för elektronisk handel

Publications (1)

Publication Number Publication Date
WO2000067170A1 true WO2000067170A1 (fr) 2000-11-09

Family

ID=20415478

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SE2000/000880 WO2000067170A1 (fr) 1999-05-03 2000-05-03 Paiement par carte pour le commerce electronique

Country Status (2)

Country Link
SE (1) SE9901626D0 (fr)
WO (1) WO2000067170A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6351739B1 (en) * 1995-07-07 2002-02-26 Netcraft Corporation Internet billing method

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997031306A1 (fr) * 1996-02-23 1997-08-28 Nokia Mobile Phones Ltd. Procede pour obtenir au moins un element de donnees d'authentification d'un utilisateur
WO1997045814A1 (fr) * 1996-05-24 1997-12-04 Behruz Vazvan Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees
EP0986275A1 (fr) * 1998-09-10 2000-03-15 Swisscom AG Procédé pour acheter des articles ou des services avec un téléphone mobile

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1997031306A1 (fr) * 1996-02-23 1997-08-28 Nokia Mobile Phones Ltd. Procede pour obtenir au moins un element de donnees d'authentification d'un utilisateur
WO1997045814A1 (fr) * 1996-05-24 1997-12-04 Behruz Vazvan Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees
EP0986275A1 (fr) * 1998-09-10 2000-03-15 Swisscom AG Procédé pour acheter des articles ou des services avec un téléphone mobile

Cited By (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6351739B1 (en) * 1995-07-07 2002-02-26 Netcraft Corporation Internet billing method
US7941375B2 (en) 1995-07-07 2011-05-10 At&T Intellectual Property I, L.P. Internet billing method
US7970703B2 (en) 1995-07-07 2011-06-28 At&T Intellectual Property I, L.P. Internet billing method
US8019682B2 (en) 1995-07-07 2011-09-13 At&T Intellectual Property I, L.P Internet billing method
US8190524B2 (en) 1995-07-07 2012-05-29 At&T Intellectual Property I, L.P. Internet billing method
US8306913B2 (en) 1995-07-07 2012-11-06 At&T Intellectual Property I, Lp Internet billing method
US8326756B2 (en) 1995-07-07 2012-12-04 At&T Intellectual Property I, Lp Internet billing method
US8359269B2 (en) 1995-07-07 2013-01-22 At&T Intellectual Property I, Lp Internet billing method
US8719162B2 (en) 1995-07-07 2014-05-06 At&T Intellectual Property I, Lp Internet billing method
US8935183B2 (en) 1995-07-07 2015-01-13 At&T Intellectual Property I, Lp Internet billing method

Also Published As

Publication number Publication date
SE9901626D0 (sv) 1999-05-03

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