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WO2002003286A1 - Systemes et procedes destines a faciliter des transactions de paiement electronique - Google Patents

Systemes et procedes destines a faciliter des transactions de paiement electronique Download PDF

Info

Publication number
WO2002003286A1
WO2002003286A1 PCT/US2000/018612 US0018612W WO0203286A1 WO 2002003286 A1 WO2002003286 A1 WO 2002003286A1 US 0018612 W US0018612 W US 0018612W WO 0203286 A1 WO0203286 A1 WO 0203286A1
Authority
WO
WIPO (PCT)
Prior art keywords
computer
customer
vendor
key
coupling
Prior art date
Application number
PCT/US2000/018612
Other languages
English (en)
Inventor
Bryan Muehlberger
Original Assignee
Bryan Muehlberger
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 Bryan Muehlberger filed Critical Bryan Muehlberger
Priority to AU2000260772A priority Critical patent/AU2000260772A1/en
Priority to PCT/US2000/018612 priority patent/WO2002003286A1/fr
Publication of WO2002003286A1 publication Critical patent/WO2002003286A1/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards

Definitions

  • the field of the invention is electronic payment transactions.
  • the present invention provides systems and methods of facilitating electronic payment transactions that combine electronic coupling of a physical security device to a local computer, and an independent agent that stores personal and financial information.
  • a preferred system and method uses a physical key coupled to a local computer through a port on the computer.
  • a USB port can be employed advantageously for this purpose, as can a port coupled to a CD player. It is especially preferred that a key would be used in combination with a password or other authentication code.
  • Other contemplated options include the use of a cell phone or two way pager as the physical security device.
  • software resident on the customer's computer transmits information from the physical key and an authentication code to the agent for verification.
  • Fig. 1 is schematic of a prior art purchase facilitation system.
  • Fig. 2 is schematic of a purchase facilitation system according to the inventive subject matter.
  • Fig. 3 is a flow chart of a preferred method according to the inventive subject matter.
  • FIG. 1 an operational schematic 10 depicts relationships among three entities, a customer 12, a vendor 14, and a financial institution 16, in which each entity communicates directly with each of the other entities to effect a financial transaction.
  • the customer 12 may work with his financial institution 16 to establish funding recourses that can be utilized to make electronic purchases over the Internet.
  • the resources may involve debit, credit, or any combination of the two.
  • the customer 12 orders an item from the vendor 14, the customer provides the vendor with account information that is then utilized by the vendor in obtaining payment from the financial institution 16.
  • the financial institution 16 sends a confirmation to the customer 12. Authentication is such systems is accomplished entirely by passwords or similar information.
  • an operational schematic 20 generally depicts relationships among four entities, a customer 30, a vendor 40, a financial institution 50, and an independent agent 60.
  • the agent 60 facilitates transactions between the customer 30 and the vendor 40, the vendor 40 and the financial institution 50, and possibly between the customer 30 and the financial institution 50.
  • vendor can make offers and acceptances, and such offers can be conducted as simple offer and acceptance, part of auctions, reverse auctions, and so on.
  • vendor is used herein to include traditional and non-traditional sellers of merchandise and services, as well as all manner of e-commerce sites.
  • financial institution should likewise be interpreted broadly herein to include all manner of banks, credit and loans, stock brokerages, and so forth.
  • the vendor 40 preferably maintains product images, text, and other marketing information on an Internet web site 42. As is presently the custom, such information may be spread across many pages, with the pages being navigable by the user, or interactive in some other manner. Interfaces besides Internet web sites and web pages are also contemplated, including especially interfaces used in a company-wide intranet that sells products and services to its employees. It should also be appreciated that the web site 42 may or may not be hosted by the vendor 40. Even the term "maintains" should be interpreted broadly herein to signify only that the vendor 40 has at least some control over at least some of the data.
  • a vendor should be considered as having maintained information on a web site even if that information is merely a text displayed on a web page hosted by an independent auction site such as e-bayTM.
  • the customer 30 uses a computer 32 to interactively browse the web site 42 (see line 74), and place an order for a product or other item (not shown).
  • the computer 32 may be any suitable computer device, including, for example, a desk top computer such as a PC, a portable computer such as laptop or hand-held computer, an Internet-enabled cell phone, Web-TVTM interface, or a PlayStationTM type game console. Either included in the computer housing (such as in a chip), or locally coupled to the computer is some sort of physical key 34.
  • connection may advantageously be accomplished using a USB port, an infra-red port, a CD device, microphone jack, or any other suitable interface.
  • "local" nature of the coupling may including coupling of the key 34 to the computer 32 through a local area network (LAN) (not shown).
  • LAN local area network
  • keys are the i-Key 1000TM and the i-key 2000TM currently being sold by Rainbow TechnologiesTM at www.rainbow.com. Such keys are preferred because they are small enough to be earned in a pocket, purse, or on a key chain, are relatively inexpensive, and are relatively difficult to, fraudulently duplicate. Other types of keys, however, are also contemplated, including miniature CDs that look similar to business cards but are playable on CD drives, smart cards, and embedded computer chips.
  • an authentication code 36 is Also coupled to the computer 32 is some mechanism of entering an authentication code 36. This feature is advantageously accomplished using a keypad or other type of keyboard, such as those typically included in a cell phone, laptop, or desk top computer.
  • the authentication code 36 may be strictly numeric, alphanumeric, alphabetic, or may include other characters as well, and may vary anywhere from one character to ten or more characters.
  • the authentication code 36 may also be inputted in sound, as for example by using some sort of voice or at least sound recognition software.
  • the authentication code 36 may even be characterless, as may occur if the volume buttons on a cell phone are used to input the authentication code 36.
  • Authentication of the authentication code 36 against the key 34 may be accomplished in any suitable manner. Typically, software inside the computer 32 would perform the authentication, but authentication may also be accomplished in the key itself 34, or even using a distal link, such as at a website.
  • a portable communicator such as cell phone, two way pager, or a future equivalent, as both the physical security device, and the mechanism for entering the authentication code 36.
  • the local computer initiates a call or other authentication request to the portable communicator. Initiation of the call or other authentication request can also be handled by the agent.
  • the user receives the request, and uses the communicator to return the authentication code 36. This can be done in any suitable manner, including using a keypad on the communicator (such as the buttons on a cell phone or two way pager), or voice input.
  • the vendor 40 checks its database for the appropriate customer information. If the vendor does not keep its own customer information database, or chooses to have that information automatically updated, the vendor sends a first message to the agent 60 to provided updated information (see line 72). Alternatively, the customer's computer 30 could send the first request to the agent 60, informing the agent of the proposed transaction and information regarding the vendor 40 (see line 73). In any event, the agent 60 responds to the first message by providing the vendor 40 with updated customer information.
  • the agent 60 may be transmitted from the agent 60 to the vendor 40.
  • the customer's name, address, and phone number is included in the agent 60 to the vendor 40.
  • Other contemplated information is bibliographic or demographic data such as age, gender, race, marriage status, income, and employment title.
  • Still other information may be psychographic, such as preferences for particular colors, sports, and news.
  • Still other information may be financial data, such as credit card numbers, bank balances and accounts, and so forth.
  • the vendor 40 proceeds with the transaction. This step can also be accomplished in numerous ways.
  • One possibility is for the vendor to communicate directly with the financial institution 50 (which is interpreted herein to include communicating with the financial institution's agent) to obtain a confirmation that funds are being credited to the vendor's benefit (see line 74).
  • the agent 60 could inform the financial institution 50 of the sale (see line 75), and the financial institution could communicate funding confirmation to the vendor 40.
  • the customer's computer 32 could inform the financial institution 50 of the sale (see line 76) to obtain funding confirmation, and then the financial institution could communicate that funding confirmation to the vendor 40.
  • Fig. 3 provides another perspective on the authentication process.
  • This process 100 generally includes the steps of: a customer using a browser window to order an item 110; the customer's computer collecting information from a local, physical key, and a personal identification number (PIN) from the customer 120; transmitting the key information and PIN to the agent 130; the agent verifying identification credentials 140; and the agent transmitting verification to the vendor 150.
  • PIN personal identification number
  • appropriate portions of this process 100 would be effected using some sort of secure transmission.
  • ordering of an item and transmission of authentication information would likely be effected using HTTPS or a successor.

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • Economics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Computer Hardware Design (AREA)
  • Software Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne des systèmes et procédés destinés à faciliter des transactions de paiement électronique, et combinant un couplage électronique d'un dispositif de sécurité physique relié à un ordinateur local (32) avec un agent indépendant qui conserve des informations personnelles et financières. Un système et un procédé préférés mettent en oeuvre une clé physique (34) couplée à un ordinateur local par l'intermédiaire d'un port situé sur l'ordinateur. A cette fin, il est possible d'utiliser avantageusement un port USB, de même qu'un port couplé à un lecteur de disque compact. Il est notamment préféré qu'une clé soit utilisée en combinaison avec un mot de passe ou un autre code d'authentification. Dans un mode de réalisation tout à fait préféré, le logiciel installé sur l'ordinateur du client transmet à l'agent (50), aux fins de vérification, des informations à partir de la clé physique, ainsi qu'un code d'authentification.
PCT/US2000/018612 2000-07-05 2000-07-05 Systemes et procedes destines a faciliter des transactions de paiement electronique WO2002003286A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2000260772A AU2000260772A1 (en) 2000-07-05 2000-07-05 Systems and methods of facilitating electronic payment transactions
PCT/US2000/018612 WO2002003286A1 (fr) 2000-07-05 2000-07-05 Systemes et procedes destines a faciliter des transactions de paiement electronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2000/018612 WO2002003286A1 (fr) 2000-07-05 2000-07-05 Systemes et procedes destines a faciliter des transactions de paiement electronique

Publications (1)

Publication Number Publication Date
WO2002003286A1 true WO2002003286A1 (fr) 2002-01-10

Family

ID=21741567

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/018612 WO2002003286A1 (fr) 2000-07-05 2000-07-05 Systemes et procedes destines a faciliter des transactions de paiement electronique

Country Status (2)

Country Link
AU (1) AU2000260772A1 (fr)
WO (1) WO2002003286A1 (fr)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2468890A (en) * 2009-03-26 2010-09-29 John Christopher Birkett Software and USB key for user authentication during credit and debit card transactions on a computer.
US10702540B2 (en) 2006-08-25 2020-07-07 Janssen Oncology, Inc. Methods and compositions for treating cancer
US10997650B2 (en) 2017-10-31 2021-05-04 Microsoft Technology Licensing, Llc Conversation as a platform to increase task productivity for end users
US11986469B2 (en) 2016-07-29 2024-05-21 Janssen Pharmaceutica Nv Methods of treating prostate cancer

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5920848A (en) * 1997-02-12 1999-07-06 Citibank, N.A. Method and system for using intelligent agents for financial transactions, services, accounting, and advice
US5926798A (en) * 1996-11-28 1999-07-20 International Business Machines Corporation Method and apparatus for performing computer-based on-line commerce using an intelligent agent
US5991750A (en) * 1997-10-24 1999-11-23 Ge Capital System and method for pre-authorization of individual account transactions
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US5926798A (en) * 1996-11-28 1999-07-20 International Business Machines Corporation Method and apparatus for performing computer-based on-line commerce using an intelligent agent
US5920848A (en) * 1997-02-12 1999-07-06 Citibank, N.A. Method and system for using intelligent agents for financial transactions, services, accounting, and advice
US5991750A (en) * 1997-10-24 1999-11-23 Ge Capital System and method for pre-authorization of individual account transactions

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10702540B2 (en) 2006-08-25 2020-07-07 Janssen Oncology, Inc. Methods and compositions for treating cancer
GB2468890A (en) * 2009-03-26 2010-09-29 John Christopher Birkett Software and USB key for user authentication during credit and debit card transactions on a computer.
US11986469B2 (en) 2016-07-29 2024-05-21 Janssen Pharmaceutica Nv Methods of treating prostate cancer
US11986468B2 (en) 2016-07-29 2024-05-21 Janssen Pharmaceutica Nv Methods of treating prostate cancer
US11986470B2 (en) 2016-07-29 2024-05-21 Janssen Pharmaceutica Nv Methods of treating prostate cancer
US11992486B2 (en) 2016-07-29 2024-05-28 Janssen Pharmaceutica Nv Methods of treating prostate cancer
US10997650B2 (en) 2017-10-31 2021-05-04 Microsoft Technology Licensing, Llc Conversation as a platform to increase task productivity for end users

Also Published As

Publication number Publication date
AU2000260772A1 (en) 2002-01-14

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