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WO2020072007A1 - Procédé de vérification pour des achats de commerce électronique - Google Patents

Procédé de vérification pour des achats de commerce électronique

Info

Publication number
WO2020072007A1
WO2020072007A1 PCT/TR2018/050543 TR2018050543W WO2020072007A1 WO 2020072007 A1 WO2020072007 A1 WO 2020072007A1 TR 2018050543 W TR2018050543 W TR 2018050543W WO 2020072007 A1 WO2020072007 A1 WO 2020072007A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
payment
commerce
purchase
verification method
Prior art date
Application number
PCT/TR2018/050543
Other languages
English (en)
Inventor
Halil ÖSKAN
Original Assignee
ALEMDAR, Ziya
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 ALEMDAR, Ziya filed Critical ALEMDAR, Ziya
Priority to PCT/TR2018/050543 priority Critical patent/WO2020072007A1/fr
Publication of WO2020072007A1 publication Critical patent/WO2020072007A1/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
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • the invention relates to a verification method that allows preventing of chargeback’s due to an appeal by the purchaser for the supplier (the service provider) in purchases made on e-commerce sites.
  • the invention is particularly related to a verification method that provides sales evidence against issues of fraud and chargeback during service purchases from e-commerce sites which does not include a physical delivery, such as subscription services, financial services, electronic services, and games of chance.
  • the individual who purchases the product can avoid paying the money he/she has agreed to pay for the product or service he has given, by either using a card that is not his/her or by reclaiming the money from the bank even if he/she uses his own card.
  • the party with the burden of proof is considered to be the vendor by international companies such as Visa or Mastercard. While it is possible to prove trade with a delivery voucher from the delivery company in the case of products with physical product delivery, there is no proof of delivery in the current technique for the purchase of any non-physical delivery service. This problem can not only lead to the revenue loss but also to the closing of POS accounts in case of cancellation ratio above a number in sales companies.
  • patent application with no. TR2015/03927 a method that allows the user to make a payment with qr code after creating the virtual shopping cart is described.
  • the system proposes to complete the shopping via the code generated on the user's mobile device by rescanning it with the same device, without requiring another code reader.
  • the system does not have a solution that is developed to create a proof of sell against the irregular repayments requested.
  • the patent application no CN101546402 refers to a method that verifies the authenticity of goods purchased during the online exchange and thereby preventing the fraudulent deception of a customer who makes an online purchase.
  • the patent application no CN105469267 (A) refers to a visual online trading platform developed to prevent fraud on online trading platforms.
  • the system offers customers a detailed view of the products they are about to buy through a video intercom platform. In this way, the controversies between the vendor and the customer due to the large differences that may arise from the images of the purchased product, are eliminated.
  • the system does not provide a solution to create proof of sale against irregular refund claims.
  • the invention relates to a verification method developed to be used in e-commerce purchases to eliminate the disadvantages mentioned above and bring new advantages to the relevant technical field.
  • the main purpose of the invention is to create a method that will solve fraud and chargeback problems of the companies engaged in e-commerce activities through the sale of goods or services.
  • Another purpose of the invention is to provide a solution to create proof of sale during the purchase of services on e-commerce sites, and to provide a method to eliminate revenue loss for the companies selling goods, banks offering payment systems and third parties.
  • Another purpose of the invention is to develop a method for avoiding irregularly requested money orders in purchases made from e-commerce sites.
  • Another purpose of the invention is to provide a method for preventing improperly requested money orders in purchases made from e-commerce sites, thereby preventing the revenue loss of sales companies through avoiding the closing of POS accounts.
  • the present invention relates to a verification method and system to prevent irregular money refunds requested through e-commerce sites, comprising following process steps;
  • the method also comprises;
  • Figure 1 is a schematic view of an exemplary system in which the method of the invention is applied.
  • Figure 2 is a schematic flow diagram of the method of the invention. Reference Numbers
  • FIG. 2 gives a schematic flow diagram of the method of the invention.
  • the invention is a verification method for e-commerce purchases to prevent irregular money refunds requested through e-commerce sites (4), comprising following steps in the process; signing-up of the user (1 ) to the e-commerce site (4) through which the purchasing will be performed via a user device (3) (1001 ), electronically entering identification information into the system by the user (1 ) during the sign-up phase (1002), completing the purchase and proceeding to the payment page (1003), entering both information of the credit card to be used for purchase and personal data through the user device (3) (1004), approval of credit card payment by the user (1 ) and payment authorization by the financial institution (1005).
  • the method comprises following steps in the process; recording a video via a device with video recording (2) when the user (1 ) reads the text containing the purchase details and credentials displayed on the screen after the payment process is approved (1006), saving and storing the received video recording through e-commerce site (4) in the system (1007).
  • Figure 1 gives a schematic view of an exemplary system in which the method of the invention is applied.
  • the invention aims to provide a solution to "chargeback" or "fraud” problems faced by all e-commerce companies selling goods either by products or services, banks offering payment systems and third parties.
  • the user (1 ) is subscribed to the e-commerce site (4) where the purchase is to be made, via a user device (3) which is a smartphone, computer, tablet, etc. assumed to have internet access.
  • the user (1 ) uploads the credentials such as passport, driver's license, etc. to the system electronically. Then he/she completes the purchase and goes to the payment page. Then enters both information of the credit card to be used for purchase and personal data to the system. Approves the credit card payment.
  • the user (1 ) requests a 3D Secure payment method (optional), he/she enters the security password on the mobile device. After or before the payment is confirmed, a screen is displayed to the user (1 ).
  • the user (1 ) reads the text displayed on the screen, which comprises credentials, the contents of the purchase, the amount of the purchase, the credit card used in the payment, and the transaction date, and this process, in which the user (1 ) reads info, is recorded via a device with video recording (2).
  • the received video recording is saved and stored in the system through e-commerce site (4).

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (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)

Abstract

L'invention concerne un procédé de vérification qui fournit une preuve de vente contre des problèmes de fraude et de rétrofacturation pendant des achats de service auprès de sites de commerce électronique (4), tels que des services d'abonnement, des services financiers, des services électroniques et des jeux de hasard.
PCT/TR2018/050543 2018-10-02 2018-10-02 Procédé de vérification pour des achats de commerce électronique WO2020072007A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
PCT/TR2018/050543 WO2020072007A1 (fr) 2018-10-02 2018-10-02 Procédé de vérification pour des achats de commerce électronique

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/TR2018/050543 WO2020072007A1 (fr) 2018-10-02 2018-10-02 Procédé de vérification pour des achats de commerce électronique

Publications (1)

Publication Number Publication Date
WO2020072007A1 true WO2020072007A1 (fr) 2020-04-09

Family

ID=70055910

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/TR2018/050543 WO2020072007A1 (fr) 2018-10-02 2018-10-02 Procédé de vérification pour des achats de commerce électronique

Country Status (1)

Country Link
WO (1) WO2020072007A1 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1816595A1 (fr) * 2006-02-06 2007-08-08 MediaKey Ltd. Procédé et système d'identification de clients potentiellement frauduleux en relation avec des activités de commerce basées sur réseau, en particulier impliquant un paiement, et programme informatique permettant de mettre en oeuvre ce procédé
US20140089128A1 (en) * 2012-09-25 2014-03-27 Disney Enterprises, Inc. Video message capture and delivery for online purchases
US20150356588A1 (en) * 2014-06-09 2015-12-10 Peigen Jiang E-commerce system and method

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1816595A1 (fr) * 2006-02-06 2007-08-08 MediaKey Ltd. Procédé et système d'identification de clients potentiellement frauduleux en relation avec des activités de commerce basées sur réseau, en particulier impliquant un paiement, et programme informatique permettant de mettre en oeuvre ce procédé
US20140089128A1 (en) * 2012-09-25 2014-03-27 Disney Enterprises, Inc. Video message capture and delivery for online purchases
US20150356588A1 (en) * 2014-06-09 2015-12-10 Peigen Jiang E-commerce system and method

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