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WO2002015077A1 - Dispositif et procede permettant d'effectuer des transactions securisees sur le reseau - Google Patents

Dispositif et procede permettant d'effectuer des transactions securisees sur le reseau Download PDF

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Publication number
WO2002015077A1
WO2002015077A1 PCT/US2000/022373 US0022373W WO0215077A1 WO 2002015077 A1 WO2002015077 A1 WO 2002015077A1 US 0022373 W US0022373 W US 0022373W WO 0215077 A1 WO0215077 A1 WO 0215077A1
Authority
WO
WIPO (PCT)
Prior art keywords
bank
customer
electronic apparatus
merchant
packet
Prior art date
Application number
PCT/US2000/022373
Other languages
English (en)
Inventor
Marc A. Messner
Original Assignee
Starpay.Com, Inc.
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 Starpay.Com, Inc. filed Critical Starpay.Com, Inc.
Priority to AU2000267747A priority Critical patent/AU2000267747A1/en
Priority to PCT/US2000/022373 priority patent/WO2002015077A1/fr
Publication of WO2002015077A1 publication Critical patent/WO2002015077A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"

Definitions

  • the invention relates to devices and methods for securing electronic transactions. More particularly, the invention relates to devices and methods designed to protect confidential information and secure transmissions made via electronic networks. b. Description of the Prior Art
  • Internet The term “Internet” will be used throughout this document. As used herein, "Internet”
  • SSL Secure Sockets Layer
  • SET Secure Electronic Transactions
  • Each user in SET is assigned unique identifiers and are given keys tied to their identifier.
  • technology such as SSL and SET may be referred to as "encryption methods," which is also intended to include other methods of encrypting data.
  • White Paper A November 2, 1998, White Paper by the Gartner Group was titled "SET Comparative Performance Analysis” ("White Paper”).
  • the White Paper compared the performance of SET to the performance of SSL on existing computing technology.
  • the White Paper also speculated about what improvements in technology, anticipated to occur in the near future, will mean to the performance of both SET and SSL.
  • the White Paper addressed criticism of SET, which alleged that its performance was slow which would result in either an unacceptable customer experience or an unjustified investment to ensure sufficient speed for the customer.
  • the White Paper concluded that SET, which is more secure than SSL, is in fact slower.
  • Hardware acceleration will be required for current technologies to use SET.
  • the White Paper anticipated that as servers improve in performance such acceleration will not be necessary.
  • the support of SET requires an additional hardware acceleration in the
  • SSL Secure Sockets Layer
  • SSL offers “session-level” security. This means that once a secure session is established, all communication over the Internet is encrypted. Effectively, using SSL is the
  • SET insures that both the merchant and the customer are who they appear to be. That is, it insures that the merchant is actually a provider of goods and services who is authorized to receive and process credit card transactions. Similarly, SET insures that the
  • .0 customer is in fact the person who is authorized to use the credit card number being supplied.
  • the Nextcard is called a "VISA card for Internet users.”
  • the Nextcard is called a "VISA card for Internet users.”
  • SSL Secure Sockets
  • Nextcard® is stolen by a merchant, the customer is not liable. If the real card is stolen by
  • billing statements instead of being sent by regular mail, are sent by e-mail to the customer.
  • billing transactions are more rapidly completed as are payment transactions.
  • the wallet will allow a user to select the proper account he wishes to use for a transaction.
  • the security of the system is insured by the requirement that a user desiring to execute purchases online must have a digital information storage device (referred to herein as an article or media) physically present in his computer system. If the article is not present, the transaction cannot be completed.
  • This "article” takes the place of a traditional credit card in real world purchasing systems. That is, the "article” is a physical asset, under the control of the user, which, if not present, invalidates or disables the purchasing system. Thus, a thief, acquiring a card number from this system would not be able to execute purchases without having the physical
  • FIG. 1 is a schematic representation of the present invention.
  • FIG. 2 is a flow chart illustrating the set up procedure.
  • FIG. 3 is a flow chart illustrating the operation of the present invention.
  • FIG. 4 is a symbolic representation of one system which can be used to implement the present invention, and particularly the sending of the various data packets.
  • the present invention incorporates an electronic apparatus 10 such as a personal computer. It should also be understood that, rather than using the personal computer, a net device such as a "web TV" system could also be used, though improvements and additional features may need to be made to web
  • the electronic apparatus 10 are one or more data input devices 14.
  • the data input devices 14 could be a keyboard, a mouse, a microphone for inputting the user's voice and/or voice commands, and the like. Additional input devices are possible, and they are intended to be incorporated within
  • the article/media 16 will be, at least initially, a read-only compact disc.
  • article/media 16 could also be any number of other devices, such as a web card envisioned by
  • the electronic apparatus 10 will also have incorporated thereon a customer-specific
  • Electronic wallets are relatively new software
  • the electronic wallet 84 precludes the need for the user to specifically input his
  • personal data such as mailing address, social security number, and the like, when purchasing
  • the electronic wallet 84 may also incorporate features to
  • the electronic apparatus 10 will also incorporate a communication means 21 for communication with a computer network 28.
  • the communication means 21 may be a typical dial-up modem, a cable modem, a dedicated digital connection, a digital service line ("XDSL"), a satellite or other
  • a further link can be established with a supplier/merchant server or website 30. Goods and/or services may be offered for sale on the supplier/merchant server 30.
  • the supplier/merchant server 30 may also be in communication with the merchant business server 34. This communication typically will occur through a firewall 32. Customers typically cannot contact the merchants business server 34 directly, because it is protected by the firewall 32.
  • the merchants business server 34 further drives business processes 36. Business processes 36 include inventory control, shipping, and the like.
  • the electronic apparatus 10 can also communicate via the computer network 28 with a bank Internet server 40.
  • the bank Internet server 40 may also be in communication with multiple devices such as a download server 46, a purchase server 48, and a billing server 50, which are further in coimnunication via a firewall 42 with the bank account information server 38.
  • the bank account information server 38 is the bank's main computer where financial records and information on customers are kept.
  • the bank account information server 38 may be in further communication through a bank network 52 with a merchant bank 80 or the customer's bank 86.
  • the bank account information server 38 may also drive a media writer 44.
  • the purpose of the media writer 44 is to create article/media to be sent to customers upon creation of a new account, modification of an existing account, or re-issue of an article for an existing account.
  • FIG. 2 There are generally two phases to the operation of the present invention: first, a set up phase wherein the customer's or client's account is set up and codes are assigned, which is illustrated in FIG. 2; and second, an operation phase illustrated in FIGs. 3 and 4.
  • FIG. 3 is a flow chart illustrating the operation of the present invention
  • FIG. 4 is a schematic representation of the flow of data among the bank, the customer, and the merchant.
  • FIG. 2 illustrates the set up phase. Set up starts when a customer contacts the bank or provider via a voice phone, Internet, e-mail, or regular mail. Additional means to set up an account may be available. It is not particularly relevant to the present invention whether the account is set up over the phone, via the Internet, or via some other alternative method.
  • the account be set up over the Internet to minimize paper work and
  • the customer Upon contacting the bank, the customer supplies information regarding, for example, his
  • the customer may select or be assigned a pin number to be used with his account. This pin number
  • a reminder electronic communication be sent to the customer at the time the account is established, the communication
  • a customer may also request multiple sub-accounts under the same account number.
  • sub-accounts may be, for example, for separate accounts for a husband and wife.
  • the method of multiple accounts is set up by a method of providing the electronic apparatus 10, creating a customer account at a bank pursuant to communication with the customer; creating customer-specific software 20 at the bank, then splitting the software 20 into a first portion 22, which is written to an article 16, and a second portion 24 which is transmitted to a bank download server 46; providing more than one key code number, each corresponding to a sub-account depending from the same account number; mailing the article 16 to the customer who then inserts it into his electronic apparatus 10; the customer contacting the bank download server 46 via the Intemet and downloading the second portion 24 to the electronic apparatus 10, then the bank download server 46 erasing the copy of the second portion 24 from the download server, but retaining relevant information on the bank purchase server 48; and the electronic apparatus 10 linking the first 22 and second 24 portions into working software 20; and the bank accounting separately for purchases under each key code number.
  • one variation of this method is the creation of multiple articles 16 for the same account where multiple departments or sub-divisions are planning to use the same account. With multiple copies of the article 16 there is no need for a user to search for the common article each time a purchase is to be made.
  • the bank performs a credit check. If the customer is approved, the bank server 38 generates a unique version of the operating software 20 (which may also be referred to as "operational code") and associated account numbers for the customer (i.e., an account number, pin number, and key code number). If the customer's application is rejected, such rejection is communicated to the customer. Assuming the application is approved, the unique software 20 is then split into two portions, a first portion 22, and a second portion 24. The bank media server 44 writes the first portion 22 to the article/media 16. The article/media 16 is then mailed to the customer. The customer inserts the article/media 16 into his electronic apparatus 10.
  • operation code a unique version of the operating software 20
  • associated account numbers i.e., an account number, pin number, and key code number
  • first portion 22 may then be written to a storage medium (such as a hard drive) on the electronic apparatus 10.
  • a storage medium such as a hard drive
  • This splitting of the operational software / code 20 is a security feature; the system cannot be used with the first portion 22 alone. Further, the second portion 24 cannot be obtained without the pin number, which would be unknown to someone who improperly intercepted the article / media 16.
  • the second portion 24 is transferred from the bank server 38 to a download server 46.
  • the second portion 24 remains on the download server 46 for a specified time period. If the customer does not connect to the download server 46 within a specified time, the second portion 24 is erased from the download server 46. However, if the customer connects to the download server 46 within the specified time, the download server 46 performs a checksum. The user must enter his pin number 68, which is required to allow him to download the second portion 24, the necessary code is then written to a storage device (e.g., either a hard drive or RAM).
  • a storage device e.g., either a hard drive or RAM
  • the checksum is not acceptable, an error message is displayed, and the customer is instructed to either contact the bank or a service provider to further explore what has happened to prevent him from successfully downloading the second portion 24.
  • the customer must have inserted the article / media 16 into his electronic apparatus 10 and, pursuant to the programming, some portion of the software / code may have been written to the storage medium to satisfy the checksum. Further, the customer will be prompted to enter his pin number.
  • the checksum is successful, the second portion 24 is downloaded to the customer's electronic apparatus 10. The first portion 22 and the second portion 24 are then linked in the users 's electronic apparatus 10 to form operational software / code 20. Linking is not equivalent to re-compiling the first and second portion 22 and 24.
  • linking amounts to recording appropriate information regarding the electronic apparatus 10 (such as IRQ addresses), the intercommunication of the two portions, and other pertinent information into appropriate code lines on the portion stored on the electronic apparatus 10.
  • appropriate information regarding the electronic apparatus 10 such as IRQ addresses
  • the article / media 16 nor the portion of the operational code 20 stored on the electronic apparatus 10 alone is sufficient to operate the system. Both must be present for the system to function.
  • the operational code / software 20 is formed by the two linked portions both being present in the electronic apparatus 10 at the same time. The pin number must be entered before the linking will be accomplished.
  • a display 12 displays a message indicating that the present invention is ready for operation.
  • the second portion 24 is deleted from the download server 46.
  • the bank purchase server 48 maintains a copy of the needed information regarding the user.
  • the software cannot be installed on another machine without re-contacting the bank to have the second portion again sent to the download server 46.
  • accounts for merchants can be created via communication on the telephone, regular mail, e-mail or by other communication means.
  • the merchant downloads a serialized copy of the merchant transaction software from the download server 46.
  • the merchant transaction software incorporates a detection routine, which determines the nature of the merchant's application programming interface ("API"), then mstalls appropriate code within the merchant's web server application.
  • API application programming interface
  • the merchant's web server application does not need to be re-programmed from scratch. Rather, a "patch" is installed to add a branded payment button for the present invention, which, when selected by the customer, triggers the operation of the present invention.
  • FIG. 3 illustrates the operation of the system, once the system has been set up.
  • the user first connects to a merchant server 30. This connection is established to or through a computer network 28 such as the Internet.
  • the user or customer selects the goods or services to be purchased.
  • the customer selects the present invention as the method of payment.
  • the operational code / software 20 performs a checksum to ensure the article 16 is in place. If the article 16 is not in place, the customer is prompted to install it. No transactions will be allowed using the present invention until the article 16 is installed. Once the article is installed, the customer is prompted to enter his pin number.
  • the software then transmits the order, a first part of which — the order packet 56 — is sent to the merchant with a second part — the bank packet 58 — sent to the bank 48.
  • the bank purchase server 48 Upon receipt of the bank packet 58, the bank purchase server 48 begins scanning incoming data for a merchant packet 60 corresponding to the bank packet 58. Common data 66 contained in both the merchant packet 60 and the bank packet 58 enable the two to be matched by the bank purchase server 48. If the two packets arrive at the bank purchase server 48 within a specified time frame, a checksum is performed to verify that the account number 74, the pin number 68, as well as the keycode 72 match, and finally that the merchant number 76 is valid.
  • the merchant server 30 sends a command Jo the merchant business server 34 to deliver the goods or services.
  • the business processes 36 within the merchant's organization complete this operation, hi a preferred embodiment, simultaneously with the transmission of the approval packet 62 to the merchant, a payment 88 is transferred to the merchant bank 80 via bank networking 52.
  • FIG. 4 illustrates one system of transmitting data among the bank purchase server 48, the customer's electronic apparatus 10, and the merchant web server 30.
  • the data packets corresponding to the system shown in FIG. 4 are shown below:
  • the process is initiated by an order packet 56 and a bank packet 58 being sent by the customer's electronic apparatus 10.
  • the order packet 56 comprises, at least:
  • common data 66 i.e., a purchase number and a dollar amount
  • the customer may indicate that he wishes to have the goods or services shipped to an alternative address, in which case he will check a box on the order form.
  • the alternative address will then be provided by the customer, and this will be the address to which the goods are shipped, rather than the address provided to the bank at the time the account was set up.
  • the purchase number is generated by the software 20 installed on the electronic apparatus 10.
  • a log, preferably sorted by purchase order number, is maintained both on the electronic apparatus 10 and at the bank purchase server 48 detailing charges made by the customer.
  • Both the bank packet 58 and the order packet 56 contain common data 66.
  • the common data 66 is the purchase number and the dollar amount.
  • Also sent in the banlc packet 58 is a keycode 72 indicating whether or not the article 16 is present in the article reader 18.
  • the merchant 30 Upon receipt of the order packet 56 the merchant 30 generates a merchant packet 60.
  • the merchant packet 60 includes the common information 66 (namely the purchase number and dollar amount) as well as the account number 74 and a merchant number 76.
  • the merchant number 76 is provided to the merchant upon establishing a merchant account with the bank.
  • the merchant packet 60 is then sent to the bank purchase server 48 via the computer network 28.
  • the bank purchase server 48 Upon receipt of the merchant packet 60, the bank purchase server 48 attempts to match the merchant packet 60 with the banlc packet 58. This matching occurs via the common information 66. If a match is made, the bank attempts to determine whether sufficient credit remains to authorize the purchase. If sufficient credit remains, an authorization number 78 is generated. This type of authorization approval is commonly performed with existing systems for purchasing goods and services over the Internet. The nature of the bank's internal approval process is not a critical part of the present invention. The common information 66 and the authorization number 78 are prepared into an approval packet, which is relayed back to the merchant. After receiving the approval packet 62, the merchant sends a confirmation packet 64 of the sale back to the user's electronic apparatus 10.
  • the confirmation packet 64 is typically generated in transactions occurring today on the Internet, and the specific contents of this packet are not particularly relevant to the present invention. However, it is preferable that the confirmation packet 64 includes at least the purchase number, the dollar amount of the purchase, and a description of the goods and services purchased by the customer. The confirmation packet 64 may also include the merchant's name as well as the date / time of the purchase and the shipping address used.
  • Billing may be accomplished by standard mail, as with traditional credit cards.
  • an on-line billing system used in conjunction with the Internet only credit card whereby billing statements, instead of being sent by regular mail, are sent by e-mail to the customer.
  • This takes advantage of the fact that e-mail is free, incurring no mailing charges for the credit card issuer.
  • billing transactions are more rapidly completed as are payment transactions, h fact, using the present invention, there could be transactions that are completely paperless. That is, transactions where no paper is sent from or to any of the parties involved in the transaction.
  • the e-mail bill may offer the customer a variety of payment methods (e.g., bank draft, or paper check sent under separate cover). At the time the customer's account is established, the customer may choose a preferred method of payment for electronic billing. Having thus described the invention, I claim:

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  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

L'invention concerne un dispositif et un procédé permettant d'effectuer des transactions sécurisées sur le réseau (Fig. 1), lesquels mettent en oeuvre un procédé d'acquisition (Fig. 3B) et un article électronique (16), ainsi qu'un dispositif (10) assurant la sécurité des transactions. L'article électronique (16) est inséré amovible dans un dispositif électronique (10), l'article (16) comprenant des logiciel/codes lisibles par machine (22). Des codes électroniques appropriés (22) placés sur l'article (16), couplés au moyen de codes (20) spécifiques résidents de manière électronique sur le dispositif (10), permettent l'initiation sécurisée du nouveau procédé d'acquisition (Fig. 3B) destiné à des transactions électroniques (Fig. 1).
PCT/US2000/022373 2000-08-14 2000-08-14 Dispositif et procede permettant d'effectuer des transactions securisees sur le reseau WO2002015077A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
AU2000267747A AU2000267747A1 (en) 2000-08-14 2000-08-14 Apparatus and method for performing secure network transactions
PCT/US2000/022373 WO2002015077A1 (fr) 2000-08-14 2000-08-14 Dispositif et procede permettant d'effectuer des transactions securisees sur le reseau

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/US2000/022373 WO2002015077A1 (fr) 2000-08-14 2000-08-14 Dispositif et procede permettant d'effectuer des transactions securisees sur le reseau

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WO2002015077A1 true WO2002015077A1 (fr) 2002-02-21

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Cited By (5)

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US6915279B2 (en) 2001-03-09 2005-07-05 Mastercard International Incorporated System and method for conducting secure payment transactions
US6990470B2 (en) 2000-04-11 2006-01-24 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
US7177848B2 (en) 2000-04-11 2007-02-13 Mastercard International Incorporated Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US7379919B2 (en) 2000-04-11 2008-05-27 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
US9672515B2 (en) 2000-03-15 2017-06-06 Mastercard International Incorporated Method and system for secure payments over a computer network

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Cited By (5)

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Publication number Priority date Publication date Assignee Title
US9672515B2 (en) 2000-03-15 2017-06-06 Mastercard International Incorporated Method and system for secure payments over a computer network
US6990470B2 (en) 2000-04-11 2006-01-24 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
US7177848B2 (en) 2000-04-11 2007-02-13 Mastercard International Incorporated Method and system for conducting secure payments over a computer network without a pseudo or proxy account number
US7379919B2 (en) 2000-04-11 2008-05-27 Mastercard International Incorporated Method and system for conducting secure payments over a computer network
US6915279B2 (en) 2001-03-09 2005-07-05 Mastercard International Incorporated System and method for conducting secure payment transactions

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