FR2804264A1 - Method and device for electronic payment, uses once only certificate generated by user and validated by return of confidential code sent to user for that transaction by bank - Google Patents

Method and device for electronic payment, uses once only certificate generated by user and validated by return of confidential code sent to user for that transaction by bank Download PDF

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Publication number
FR2804264A1
FR2804264A1 FR0005025A FR0005025A FR2804264A1 FR 2804264 A1 FR2804264 A1 FR 2804264A1 FR 0005025 A FR0005025 A FR 0005025A FR 0005025 A FR0005025 A FR 0005025A FR 2804264 A1 FR2804264 A1 FR 2804264A1
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France
Prior art keywords
user
payment
during
name
terminal
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Granted
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FR0005025A
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French (fr)
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FR2804264B1 (en
Inventor
Gilles Kremer
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MAGICAXESS
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MAGICAXESS
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Priority to FR0005025A priority Critical patent/FR2804264B1/en
Application filed by MAGICAXESS filed Critical MAGICAXESS
Priority to EP01928004A priority patent/EP1192608A2/en
Priority to AU54883/01A priority patent/AU5488301A/en
Priority to CA002377626A priority patent/CA2377626A1/en
Priority to EP02015506A priority patent/EP1253564A3/en
Priority to PCT/FR2001/001205 priority patent/WO2001056352A2/en
Priority to US10/018,371 priority patent/US20020138450A1/en
Publication of FR2804264A1 publication Critical patent/FR2804264A1/en
Priority to US10/188,740 priority patent/US20020165830A1/en
Application granted granted Critical
Publication of FR2804264B1 publication Critical patent/FR2804264B1/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/12—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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Abstract

The payment system commences with the user generating a single-use certificate of payment at their terminal. The user receives on a second terminal, for example a mobile telephone, a confidential password which they then enter at their main terminal. If the information returned from the terminal corresponds to the information sent, the payment is validated.

Description

PROCEDE ET DISPOSITIF DE PAIEMENT ELECTRONIQUE La présente invention concerne un procédé et un dispositif de paiement électronique Les sites Internet qui proposent des fournitures ou des prestations payantes demandent souvent des paiements par carte de paiement. Cependant, les utilisateurs savent que si leur carte de paiement est perdue ou si son numéro est copie avec la date d'expiration, des paiements peuvent être effectues avec cette carte sans leur accord. Ces utilisateurs sont donc très réticents à utiliser un moyen de paiement aussi peu sécurisé.  ELECTRONIC PAYMENT METHOD AND DEVICE The present invention relates to an electronic payment method and device. Internet sites which offer paid supplies or services often require payment by payment card. However, users know that if their payment card is lost or if its number is copied with the expiration date, payments can be made with this card without their agreement. These users are therefore very reluctant to use such an insecure payment method.

La présente invention propose d'effectuer un paiement sur un réseau de communication en mettant en oeuvre un cheque électronique, c'est-a-dire un moyen de paiement a usage unique dont l'utilisateur peut être authentifie. Ainsi, même si ce moyen de paiement est recopie, la copie est inutilisable. De plus, s'ils sont voles , les cheques électroniques sont invalides tant que leur utilisateur légitime n'est pas authentifie. The present invention proposes to make a payment on a communication network by implementing an electronic check, that is to say a means of single-use payment whose user can be authenticated. Even if this means of payment is copied, the copy cannot be used. In addition, if they are stolen, electronic checks are invalid until their legitimate user is authenticated.

Dans un mode de réalisation particulier, chaque cheque est affiche sur un écran de terminal d'accès a Internet. La présente invention vise une interface graphique de paiement qui comporte l'affichage d'un moyen de paiement a usage unique dont l'utilisateur peut être authentifie. In a particular embodiment, each check is displayed on a screen of an Internet access terminal. The present invention relates to a graphical payment interface which comprises the display of a single-use payment method whose user can be authenticated.

La présente invention vise aussi un moyen de paiement a usage unique auquel peut être associe une authentification effectuée conformément aux moyens exposés dans la demande de brevet FR 97 13825 déposée le 4 novembre 1997. Expose succinctement, ces moyens comportent la transmission d'une information confidentielle sur un support de communication, typiquement un réseau de téléphonie ou de transmission de messages alphanumériques sans fil, la saisie de cette information confidentielle par l'utilisateur sur le terminal d'accès a Internet et la transmission de l'information confidentielle par Internet pour authentifié l'utilisateur. The present invention also relates to a single-use payment method which can be associated with an authentication carried out in accordance with the means set out in patent application FR 97 13825 filed on November 4, 1997. Briefly stated, these means include the transmission of confidential information on a communication medium, typically a telephone or wireless alphanumeric message transmission network, the entry of this confidential information by the user on the Internet access terminal and the transmission of confidential information by Internet for authenticated the user.

D'autres avantages, buts et caractéristiques de la présente invention ressortiront de la description qui va suivre faite dans un but explicatif et nullement limitatif en regard du dessin annexe dans lequel la figure 1 représente des transmissions de messages entre des entités participant à une transaction. Dans le schéma de transaction expose en figure 1, un client est inscrit et a un compte chez un organisme financier. Ce compte lui permet d'avoir un fichier de conservation de données confidentielles connu sous le nom de Server Side Wallet . Dans ce fichier sont stockés les informations relatives au mode de paiement dont le client dispose et notamment relatives à un chéquier électronique. Other advantages, aims and characteristics of the present invention will emerge from the description which follows, given for explanatory purposes and in no way limiting, with regard to the appended drawing in which FIG. 1 represents transmissions of messages between entities participating in a transaction. In the transaction diagram shown in Figure 1, a client is registered and has an account with a financial institution. This account allows him to have a confidential data storage file known as Server Side Wallet. In this file are stored information relating to the payment method available to the customer and in particular relating to an electronic checkbook.

L'organisme financier est de type `Issuer', c'est-à-dire émetteur de cheques ou il est un intermédiaire ayant passé des accords avec des banques `Issuer'. The financial institution is of the 'Issuer' type, that is to say, the issuer of checks or it is an intermediary having concluded agreements with banks 'Issuer'.

Le marchand a un accord avec l'organisme financier Issuer et il a un compte ouvert qui ne se substitue pas obligatoirement à son compte bancaire classique dans sa banque dite `Acquirer' car elle reçoit les paiements pour le compte du marchand. The merchant has an agreement with the financial institution Issuer and he has an open account which does not necessarily replace his traditional bank account in his bank known as 'Acquirer' because it receives payments on behalf of the merchant.

Le marchand présente, sur la page de paiement de son site, une icône proposant à ses clients de payer par intermédiaire d'un moyen de paiement appelle chèque électronique . The merchant presents, on the payment page of his site, an icon proposing to his customers to pay via a means of payment called electronic check.

En figure 1, sont représentées les étapes suivantes de mise en oeuvre du procédé objet de la présente invention 1/ Le client décide de payer les articles qu'il a choisis et référencés dans son panier (connu sous le nom de caddy, marque déposée). Il choisit comme mode de paiement le `chèque électronique' proposé par le marchand. In Figure 1, the following stages of implementation of the process which are the subject of the present invention are represented 1 / The customer decides to pay for the articles which he has chosen and referenced in his basket (known as the caddy, registered trademark) . He chooses as a payment method the 'electronic check' offered by the merchant.

2/ Le marchand renvoie le traitement de cette demande vers l'organisme financier (ou intermédiaire) qui propose ce service de paiement par cheque électronique 3/ L'organisme financier demande au client de s'identifier pour accéder au service de chéquier électronique. 2 / The merchant refers the processing of this request to the financial body (or intermediary) which offers this service of payment by electronic check 3 / The financial body asks the customer to identify himself to access the electronic checkbook service.

4/ Le client s'identifie 5/ L'organisme financier présente au client le chèque électronique rempli avec les éléments correspondant à la transaction (nom du marchand, montant, date, ... ) pour acceptation et signature électronique. 4 / The customer identifies 5 / The financial organization presents the customer with the electronic check filled with the elements corresponding to the transaction (name of the merchant, amount, date, ...) for acceptance and electronic signature.

6/ Le client valide son acceptation. 6 / The customer confirms his acceptance.

7/ L'organisme financier calcule la signature électronique et envoie un certificat lié à la transaction via le réseau GSM sur le mobile du client. 7 / The financial organization calculates the electronic signature and sends a certificate linked to the transaction via the GSM network on the customer's mobile.

8/ Le client s'authentifie et signe le chèque électronique en ressaisissant le certificat sur le clavier de son poste de consultation (ou terminal) connecté sur le réseau Internet (principe de la signature électronique). 9/ L'organisme financier renvoie la confirmation du paiement au client et au marchand afin que celui ci livre les produits achetés. 8 / The customer authenticates and signs the electronic check by re-entering the certificate on the keyboard of his consultation station (or terminal) connected to the Internet (principle of electronic signature). 9 / The financial organization returns the confirmation of payment to the customer and the merchant so that the latter can deliver the products purchased.

10/ L'organisme financier traite la transaction en transmettant les informations au réseau de compensation bancaire afin que le montant de la transaction soit crédité sur le compte du marchand dans sa banque `Acquirer'. 10 / The financial organization processes the transaction by transmitting the information to the bank clearing network so that the amount of the transaction is credited to the merchant's account in its bank `Acquirer '.

Selon un mode de réalisation particulier, un utilisateur d'un premier terminal de communication connecte à un réseau de communication, tel qu'un ordinateur personnel connecte à l'Internet, ouvre une session de communication avec un site marchand. Durant la session de communication, le site marchand propose un paiement par cheque électronique et, en cas d'acceptation par le client, le site marchand ou le premier terminal ouvrent une seconde session de communication avec un site fournisseur de cheques électronique ou le terminal émet un cheque électronique A cet effet, sur une fenêtre du premier terminal, une fenêtre qui représente le cheque comporte un, plusieurs ou, préférentiellement, tous les champs suivants - un nom associe au site marchand, - un montant de paiement, - un nom associé à l'utilisateur, - un numéro de compte attribué à l'utilisateur, - un nom d'organisme payeur, et - une zone ou l'utilisateur doit fournir ladite information confidentielle. According to a particular embodiment, a user of a first communication terminal connects to a communication network, such as a personal computer connects to the Internet, opens a communication session with a merchant site. During the communication session, the merchant site offers payment by electronic check and, if accepted by the customer, the merchant site or the first terminal opens a second communication session with a site providing electronic checks or the terminal sends an electronic check For this purpose, on a window of the first terminal, a window which represents the check comprises one, several or, preferably, all of the following fields - a name associated with the merchant site, - a payment amount, - an associated name to the user, - an account number assigned to the user, - a name of the paying agency, and - an area where the user must provide said confidential information.

Pour effectuer le paiement, une information confidentielle est communiquée à l'utilisateur, par intermédiaire d'un deuxième support de communication, tel qu'un réseau de téléphonie mobile ou un réseau de transmission de messages alphanumériques. To make the payment, confidential information is communicated to the user, via a second communication medium, such as a mobile telephone network or an alphanumeric message transmission network.

L'utilisateur saisi alors l'information confidentielle sur le premier terminal et le premier terminal transmet cette information confidentielle au site marchand. Après vérification de correspondance de l'information confidentielle reçue de la part du premier terminal sur le premier réseau de communication avec l'information confidentielle transmise au deuxième terminal utilisateur le paiement est valide. The user then enters the confidential information on the first terminal and the first terminal transmits this confidential information to the merchant site. After verification of correspondence of the confidential information received from the first terminal on the first communication network with the confidential information transmitted to the second user terminal, the payment is valid.

Préférentiellement, le procédé comporte une opération de transmission par le site marchand d'une demande d'émission du certificat de paiement à un site tiers.Preferably, the method comprises an operation of transmission by the merchant site of a request for the issuance of the payment certificate to a third party site.

Préférentiellement, le site tiers transmet un montant disponible sur un compte attribue audit utilisateur. Préférentiellement, le procédé comporte une opération d'affectation d'un certificat d'intégrité à l'ensemble constitue du cheque et de l'information confidentielle saisie par l'utilisateur. Preferably, the third-party site transmits an amount available on an account allocated to said user. Preferably, the method comprises an operation of assigning a certificate of integrity to the assembly constitutes checks and confidential information entered by the user.

Claims (8)

REVENDICATIONS 1. Procédé de paiement comportant une opération d'ouverture d'une session de communication entre un premier terminal d'utilisateur et un serveur marchand, sur un premier support de communication, caractérisé en ce qu'il comporte, durant ladite session de communication - une opération de constitution par ledit terminal utilisateur d'un certificat de paiement a usage unique ; - une opération de transmission d'une information confidentielle à un deuxième terminal utilisateur, par intermédiaire d'un deuxième support de communication; - une opération de transmission par le premier terminal de ladite information confidentielle ; - une opération de vérification de correspondance de l'information confidentielle reçue de la part du premier terminal sur le premier réseau de communication avec l'information confidentielle transmise au deuxième terminal utilisateur et, - s'il y a correspondance, une opération de validation de paiement.1. Payment method comprising an operation of opening a communication session between a first user terminal and a merchant server, on a first communication medium, characterized in that it comprises, during said communication session - an operation of constitution by said user terminal of a single-use payment certificate; an operation for transmitting confidential information to a second user terminal, by means of a second communication medium; - an operation of transmission by the first terminal of said confidential information; a correspondence verification operation of the confidential information received from the first terminal on the first communication network with the confidential information transmitted to the second user terminal and, if there is a correspondence, a validation operation of payment. 2. Procédé selon la revendication 1, caractérisé en ce que l'opération de constitution comporte - une opération de réception du nom dudit marchand et du montant du paiement; et - une opération d'affichage d'une fenêtre sur un écran du premier terminal utilisateur, ladite fenêtre comportant l'affichage du nom du site marchand et du montant de paiement.2. Method according to claim 1, characterized in that the establishment operation comprises - an operation of receiving the name of said merchant and the amount of payment; and an operation for displaying a window on a screen of the first user terminal, said window comprising the display of the name of the merchant site and of the payment amount. 3. Procédé selon la revendication 2, caractérisé en ce que - au cours de l'opération de réception, le nom de l'utilisateur est reçu et - au cours de l'opération d'affichage, le nom de l'utilisateur est affiché dans ladite fenêtre.3. Method according to claim 2, characterized in that - during the reception operation, the name of the user is received and - during the display operation, the name of the user is displayed in said window. 4. Procédé selon l'une quelconque des revendications 2 ou 3, caractérisé en ce que - au cours de l'opération de réception, un numéro de compte attribué à l'utilisateur est reçu et - au cours de l'opération d'affichage, le numéro de compte est affiché dans ladite fenêtre.4. Method according to any one of claims 2 or 3, characterized in that - during the reception operation, an account number assigned to the user is received and - during the display operation , the account number is displayed in said window. 5. Procédé selon l'une quelconque des revendications 2 à 4, caractérisé en ce que - au cours de l'opération de réception, le nom d'un organisme payeur est reçu et - au cours de l'opération d'affichage, le nom de l'organisme payeur est affiché dans ladite fenêtre.5. Method according to any one of claims 2 to 4, characterized in that - during the reception operation, the name of a paying agency is received and - during the display operation, the name of paying agency is displayed in said window. 6. Procédé selon l'une quelconque des revendications 1 à 5, caractérisé en ce qu'il comporte une opération de transmission par le site marchand d'une demande d'émission du certificat de paiement à un site tiers.6. Method according to any one of claims 1 to 5, characterized in that it comprises an operation of transmission by the merchant site of a request to issue the payment certificate to a third party site. 7. Procédé selon l'une quelconque des revendications 1 à 6, caractérisé en ce qu'il comporte une opération d'affectation d'un certificat d'intégrité au certificat de paiement et à l'information confidentielle saisie par l'utilisateur.7. Method according to any one of claims 1 to 6, characterized in that it comprises an operation of assigning a certificate of integrity to the payment certificate and to the confidential information entered by the user. 8. Procédé selon l'une quelconque des revendications 1 à 7, caractérisé en ce qu'il comporte une opération de transmission d'un montant disponible sur un compte attribué audit utilisateur.8. Method according to any one of claims 1 to 7, characterized in that it comprises an operation of transmitting an amount available on an account allocated to said user.
FR0005025A 2000-04-19 2000-04-19 METHOD AND DEVICE FOR ELECTRONIC PAYMENT Expired - Fee Related FR2804264B1 (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
FR0005025A FR2804264B1 (en) 2000-04-19 2000-04-19 METHOD AND DEVICE FOR ELECTRONIC PAYMENT
AU54883/01A AU5488301A (en) 2000-04-19 2001-04-19 Electronic payment method and device
CA002377626A CA2377626A1 (en) 2000-04-19 2001-04-19 Electronic payment method and device
EP02015506A EP1253564A3 (en) 2000-04-19 2001-04-19 Method and apparatus for electronic payment
EP01928004A EP1192608A2 (en) 2000-04-19 2001-04-19 Electronic payment method and device
PCT/FR2001/001205 WO2001056352A2 (en) 2000-04-19 2001-04-19 Electronic payment method and device
US10/018,371 US20020138450A1 (en) 2000-04-19 2001-04-19 Electronic payment method and device
US10/188,740 US20020165830A1 (en) 2000-04-19 2002-07-05 Process and device for electronic payment

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR0005025A FR2804264B1 (en) 2000-04-19 2000-04-19 METHOD AND DEVICE FOR ELECTRONIC PAYMENT

Publications (2)

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FR2804264A1 true FR2804264A1 (en) 2001-07-27
FR2804264B1 FR2804264B1 (en) 2005-03-11

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FR2829647A1 (en) * 2001-09-11 2003-03-14 Mathieu Schnee Authentication of a transaction relating to acquisition and payment for goods and services, whereby authentication makes use of both Internet and mobile phone technology for transmission and validation of codes and passwords
EP1296298A1 (en) * 2001-09-20 2003-03-26 OK MAXIMUS GmbH Method of automated payment for goods or services
GB2387002A (en) * 2002-02-20 2003-10-01 1Revolution Group Plc Personal identification system and method using a mobile device
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EP1455317A2 (en) * 2003-03-05 2004-09-08 Ming-Ching Shiu Method for securing card transactions by using mobile device
US7379920B2 (en) 2001-12-04 2008-05-27 Gary Leung System and method for facilitating electronic financial transactions using a mobile telecommunication device

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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2002037355A2 (en) * 2000-11-03 2002-05-10 Tomas Mulet Valles A method to carry out economic transactions through a telecommunications network
WO2002037355A3 (en) * 2000-11-03 2002-07-11 Valles Tomas Mulet A method to carry out economic transactions through a telecommunications network
FR2829647A1 (en) * 2001-09-11 2003-03-14 Mathieu Schnee Authentication of a transaction relating to acquisition and payment for goods and services, whereby authentication makes use of both Internet and mobile phone technology for transmission and validation of codes and passwords
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