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

• the present invention relates to a method and an installation for securing a payment transaction carried out for the remote purchase of products and / or services over a digital information communications network.
• the aim of the present invention is to propose a method and an installation for securing a payment transaction carried out for the remote purchase of products and / or services on a digital information communication network which overcomes the aforementioned drawbacks and allow intervention "online", while reducing or even eliminating the damaging consequences of hacking and / or fraudulent use of information transmitted over the network for payment.
• Another object of the present invention is to provide a method and an installation for securing a payment transaction carried out for the remote purchase of products and / or services over a digital information communications network which allow the customer to '' make payments without having to wait for information from its banking organization on the identification means to be used for the transaction.
• Another object of the present invention is to provide a method and an installation for securing a payment transaction carried out for the remote purchase of products and / or services on a digital information communication network which allow the customer to check the amount of the transaction before it takes place.
• Another object of the present invention is to provide a method and an installation for securing a payment transaction carried out for the remote purchase of products and / or services on a digital information communication network which allow the customer to wait for delivery before authorizing payment while guaranteeing the seller the discharge of his claim as soon as the delivery has been accepted.
• the invention firstly relates to a method for securing a payment transaction carried out for the remote purchase of products and / or services over a digital information communication network by a user of said network, called a client, said client being provided with a permanent personal identification code intended to allow the carrying out of money transfers, method in which:
• At least one authorization code specific to said customer and valid for a limited number of payment transactions, is stored in association with said identification code, in one or more so-called identification files, provided at the level centralized processing facilities, before purchase, and, upon purchase,
• the invention also relates to an installation for securing a payment transaction carried out for the remote purchase of products and / or services on a digital information communications network by a said network user, known as a client, provided with a code.
• permanent personal identification system intended to allow the transfer of funds
• said installation comprising: - centralized processing means, provided with one or more files, known as identification files, allowing storage, in association with said code identification, of at least one authorization code, specific to said customer and valid for a limited number of payment transactions, before purchase, - first means of exchanging information allowing the transmission of said authorization code on said network, upon purchase,
• said centralized processing means being provided capable of allowing the exploitation of said identification file or files to authorize updating the identification code associated with the authorization code transmitted so that you can transfer funds.
• FIG. 1 schematically illustrates a first mode of implementation of the method according to the invention
• FIG. 2 schematically illustrates an alternative embodiment of the embodiment of FIG. 1,
• FIG. 3 schematically illustrates an embodiment of the installation according to the invention.
• the invention relates first of all to a method of securing a payment transaction carried out for the remote purchase of products and / or services on a digital information communication network, by a user of said network, known as a customer, provided with a permanent personal identification code, specific to the customer's audit and intended to allow the transfer of funds.
• Permanent means independent of the number of operations carried out.
• the network in question it is, for example, an open network, that is to say accessible to all, in particular the Internet.
• information communicated by the network in particular according to the arrow marked 1, capable of authorizing a transfer, possibly electronic, of funds, in particular according to the arrows marked 4, 5.
• At least one authorization code specific to said customer and valid for a limited number of payment transactions, is stored. , in particular only one, in one or more so-called identification files, provided at the level of centralized processing means 8.
• said authorization code is then transmitted by said network.
• said authorization code to said centralized processing means 8 and the identification file or files of said centralized processing means are used to update said identification code associated with said authorization code and allow said transfer of funds.
• Said payment is intended, for example, for another user of said network, called the seller, said client 3 and said seller 2 being each provided with a banking organization 6, 7, said banking organization 6 of the client as well as, possibly, that 7 of the seller being accessible digitally.
• said seller is also provided with a permanent identification code and said customer and seller banking organizations are accessible by them using their said identification code.
• Said seller is, for example, the owner of the products and / or services purchased by said customer through said network.
• Said banking organizations are, for example, those where the seller and / or the customer has a current account.
• Said centralized processing means may be provided independent, that is to say not dependent neither on the customer's banking organization, nor on the seller's banking organization, the digital processing means of each being provided separate, at least in part.
• said authorization code is then transmitted to the seller by said network, according to the arrow marked 1, said authorization code and the seller's identification code are associated, as well as, possibly, the amount of the payment and all this information from the seller is transmitted to said centralized processing means, according to the arrow marked 9.
• the transfer of funds is carried out, for example, directly from the customer's banking organization to the seller's banking organization. It can also pass through said centralized processing means 8.
• Said authorization code is, for example, previously prepared by the customer himself and transmitted, directly or indirectly, to said centralized processing means, with the identification code of said customer.
• the customer can develop said authorization code and transmit it to his banking organization which will then communicate it with his identification code to said centralized processing means. It is therefore not necessary to provide a direct connection between the client and said centralized processing means.
• the customer may be allowed to build up a list of different authorization codes, said list being provided for consultation from his banking institution in which it will have been stored, each authorization code being to be used as desired.
• said information may only consist of said authorization code which, remember, says nothing about the client himself.
• the said authorization code may also be supplemented with the amount of the funds.
• a prior request for transfer authorization associated with the amount of funds and / or the seller's identification code.
• the client is then informed of said request and his response is transmitted, according to the arrows marked 12, 13 by means of centralized processing 8 before authorizing or not authorizing said transfer of funds as a function of said response.
• Said requests are provided for stored, for example, at the level of the customer's banking organization so that the latter can consult and respond to them, his response passing through said banking organization.
• the customer decides to make a purchase "online”
• he communicates to the seller his authorization code.
• This is followed by a series of communications between the seller 2, the centralized processing means 8 and the customer's banking organization 6.
• client's banking organization 6 will present to client 3 a prior request for transfer authorization. It will be the positive response of the client to said request that will allow the transfer of funds and payment, and not the communication by the client of his authorization code to the seller.
• the customer is thus allowed to check the quality of the product and / or service purchased before payment while guaranteeing the seller the payment of his claim.
• the funds may be sequestered electronically, for example at the level of said centralized processing means 8.
• the exchange of digital information with the delivery organization 21 can be organized as follows. Upon receipt of the receiver's information by the seller, the latter may trigger an exchange of computerized data delivery transmitted according to the arrow identified 16 to said delivery organization 21.
• the latter delivers the goods to the customer 3, according to the arrow marked 17.
• reception information is transmitted from said client 3 to said delivery organization 21, according to the arrow marked 18.
• Said delivery organization 21 then informs the seller 2, according to the arrow identified 19, which indicates to the centralized processing means, according to the arrow marked 22, that the sequestered funds can be released.
• said personal identification codes of the customer and / or the seller consist, for example, of any designation such as, in particular, their name.
• said personal identification codes will then be associated, at the level of said centralized processing means 8, with the account number usually used for such operations.
• the invention also relates to an installation for securing a payment transaction carried out for the remote purchase of products and / or services on a digital information communication network, by a user of said network, known as a customer, provided with a personal identification code intended to allow the transfer of funds.
• Said installation is intended, in particular, for the implementation of the method described above.
• the installation according to the invention comprises means for exchanging information able to allow the transmission by the network 24 of information allowing a transfer, in particular electronic, of funds.
• said installation further comprises according to the invention centralized processing means 8, provided with one or more files, called identification, allowing memorization, in association with said customer identification code, of an authorization code, specific to said customer and valid for a limited number of payment transactions, before purchase.
• Said installation also includes first means of exchanging information, capable of transmitting said authorization code over said network 24, during the purchase.
• Said installation also comprises second means for exchanging information, capable of allowing the transmission of said authorization code to said centralized processing means, said centralized processing means 8 being provided capable of allowing the exploitation of said file or files. identification to authorize the update of the identification code associated with the authorization code transmitted so as to be able to effect said transfer of funds.
• the payment takes place, for example, between said client 3 and said seller 2, said first means of exchanging information then being provided capable of transmitting said authorization code from said client 3 to said seller 2.
• said installation comprises first decentralized processing means 30, provided capable of associating said authorization code and the identification code of the seller and possibly an amount of funds to be transferred, said second means of exchanging information being then provided capable of communicating all of this information from said seller to said centralized processing means, directly or indirectly.
• said centralized processing means they are then able to combine said customer and seller identification codes, thanks to said authorization code to authorize a transfer of funds between the banking organizations of these 6, 7.
• Said first decentralized processing means 30 are provided, for example, at the seller's own processing means 23 2 and / or 27 of his banking organization 7.
• each banking organization takes place, for example, at the using connections 31, 32 established between the means centralized processing 8 on the one hand, and on the other hand, respectively, the seller's banking organization 27 and the client's banking organization 26.
• said links are provided secure.
• Said link 29 established between seller 2 and his banking organization 27 is used, for example, for the transmission of said authorization code and of the amount of the purchase of said seller to his banking organization.
• the link 31 established between said seller's banking organization and said centralized processing means it is then used to transmit said authorization code of said purchase amount and said seller identification code, from its banking organization to said centralized processing facilities. All or part of this information can also pass directly from said seller to said centralized processing means by a link 40.
• Said first decentralized processing means 30 can then be provided at the level of the seller 2.
• the installation according to the invention may also include second decentralized processing means 33, capable of allowing said authorization code to be drawn up by said client himself, and means for exchanging information between said client 3 and / or his banking organization 6, d on the one hand, and, on the other hand, said centralized processing means 8, called third means for exchanging information, capable of allowing the transmission of said authorization code with said client identification code.
• Said second decentralized processing means are provided, for example, at the level of the client's own processing means 25 and / or at the level of the client's own processing means 26.
• said transmission of said authorization code and of said identification code is carried out, in particular, by virtue of the connection 32 provided between said banking body 6 of the client and said centralized processing means 8.
• said authorization code may be is temporary, i.e. it will only be valid for a limited period, and / or for a given amount, i.e. for a transfer of funds not exceeding a preset amount.
• Said second means of information may also be provided capable, for example, of allowing the transmission to the seller and / or to its banking organization of information on the arrival and / or the origin of funds, said information being made up of the code authorization of the client and / or of the amount of funds, in particular thanks to the links 29, 31 provided between said centralized processing means 8 and the seller's banking organization and between the seller's banking organization and said seller.
• said third means of exchanging information may be provided capable of transmitting to the customer's banking organization a prior request for transfer authorization, associated with the amount of funds and / or the code identification of the seller, in particular thanks to the link 32 established between said centralized processing means 8 and said banking organization 6 of the client.
• the installation according to the invention then further comprises means for informing said client of said request, said third means for exchanging information being provided capable of transmitting the client's response to said centralized processing means 8 before authorizing or not said transfer of funds depending on said response.
• Said means for informing said client are provided, for example, at the level of the second decentralized processing means 33 with which the client will be able to get in touch thanks to the link 28 established between himself and his banking organization.
• said third means of information may also be provided capable of transmitting to said centralized processing means, in response to the request for authorization of transfer of funds, information of sequestration of said funds, in particular by means of the link 32 established between said centralized processing means 8 and said customer's banking organization.
• Said second means for exchanging information are then provided capable of transmitting said escrow information to the seller, directly or indirectly, in particular thanks to the links 40; 29, 31 established between said centralized processing means 8 and the seller's banking organization and between said banking organization and the seller himself.
• said installation will also include distributed processing means, capable of making it possible to ensure, by exchange of digital information with a delivery organization, not shown in FIG. 3, of good reception by the customer of the product and / or service purchased, before effecting said transfer of funds.

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• 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)
• Finance (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (3)

Publications (1)

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• 2001
  • 2001-09-13 FR FR0111861A patent/FR2829601B1/fr not_active Expired - Fee Related
• 2002
  • 2002-09-13 EP EP02785496A patent/EP1425724A1/de not_active Withdrawn
  • 2002-09-13 WO PCT/FR2002/003122 patent/WO2003025869A1/fr not_active Application Discontinuation

Non-Patent Citations (1)

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