WO2002043337A1 - Systeme et procede de paiement et de reglement securises dans un environnement de reseau - Google Patents

Systeme et procede de paiement et de reglement securises dans un environnement de reseau Download PDF

Info

Publication number
WO2002043337A1
WO2002043337A1 PCT/SG2001/000235 SG0100235W WO0243337A1 WO 2002043337 A1 WO2002043337 A1 WO 2002043337A1 SG 0100235 W SG0100235 W SG 0100235W WO 0243337 A1 WO0243337 A1 WO 0243337A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
code
settlement
merchant
secured
Prior art date
Application number
PCT/SG2001/000235
Other languages
English (en)
Inventor
Huan Khing Low
Original Assignee
Innocreate Systems Pte Ltd.
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 Innocreate Systems Pte Ltd. filed Critical Innocreate Systems Pte Ltd.
Priority to AU2002222884A priority Critical patent/AU2002222884A1/en
Publication of WO2002043337A1 publication Critical patent/WO2002043337A1/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
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes

Definitions

  • the present invention relates to the field of providing a secure payment and settlement system and method for at least a merchant (i.e. seller) and at least a customer (i.e. buyer) to conduct commerce transaction over a network (hereinafter called "network-based commerce").
  • network-based commerce includes any public or private communication network like Internet, Intranet, mobile telephone system etc.
  • the present invention protects the interest of customer, merchant, deliverer, financial institution and other parties involved in a network-based commerce.
  • a secure payment and settlement system is vital to the success of conducting a network-based commerce.
  • the recent rapid growth of Internet and mobile phone equipped with Wireless Application Protocol (WAP) for accessing the Internet would lead to the formation of a global new market place of conducting commerce for goods, information and services (hereinafter called "Product").
  • WAP Wireless Application Protocol
  • the size of population having access to the Internet is growing rapidly and merchants are also increasingly interested in selling Product over the Internet, particularly via the World Wide Web.
  • Product sold through telephone network and postal delivery network by mail order is also on the increasing trend.
  • Payments for such network-based commerce, especially over the Internet are mostly settled by credit card. However there is a significant size of population still disqualified for using credit card. It is therefore necessary to provide a secure and convenient payment and settlement system to cater for the needs of conducting network-based commerce, especially over the Internet for all users.
  • a network-based commerce usually involves customer to order Product, customer or reap ient authorised by the customerto receive the ordered Product, deliverer appointed by merchant to deliver the ordered Product to customer or reap ient, and financial institution acting on customer's instruction to pay merchant for the Product ordered.
  • the typical process of completing a network-based commerce is explained as follows: upon receipt of a purchase request from customer, merchant issues a payment request to financial institution to effect payment and then informs deliverer to deliver the ordered Product to customer orrecipient.
  • customer has no control over payment before received the ordered Product and is left with the choices of either to settle the bill or to deny payment and wait for finan ⁇ al institution to investigate. If there is no sufficient p oof to confirm failure of customer, financial institution may probably give benefit of doubt to customer and demands merchant to bear the loss. Besides being hassle for customer and usually disadvantageous to merchant, such investigation process is usually lengthy and costly.
  • credit card's issuing bank takes on the fraud risk associated with misuse of credit card when a merchant follows the established card acceptance procedure.
  • Such acceptance procedure may include verification of card holder's signature on the card and obtaining authorization for payments by retrieving and sending card data to the issuing bank's computer through a network.
  • merchant conducting network-based commerce can not physically examine purchaser's credit card, resulted in the fraud risk being reverted to the merchant, so many merchants are discouraged to conduct network-based commerce for not willing to bear this fraud risk.
  • merchants have yet to face another fraud risk of deliverer having problem to verify a person being authorized to receive the ordered Product.
  • Another problem with commerce over Internet is that the customer generally has to repeatedly supply and transmit a plethora of confidential information each time the customer wishes to purchase Product from a new merchant, and requirement of such information usually varies according to individual merchant's customized electronic order form. Besides being hassle for the customer, it also places the confidential information at risk each time such information is supplied to a new merchant.
  • Yet another problem hindering growth of network-based commerce is lack of a clearing house system for the suppliers of Product (i.e. the one who supplied Product to merchants to sell over network) to ensure payment from merchants. Without such system, suppliers are not willing to supply Product to a new merchant without having examined creditability of the new merchant, resulted in limited merchants selling their Product.
  • the present invention is therefore important for encouraging merchants to participate in the network-based commerce.
  • the present invention has the first objective of providing a secure payment and settlement system that will authorize payment requests and remove fraud risk from customer ordering Product over network, merchants selling Product over network, deliverer identifying genuine customer or recipient and suppliers supplying Product to merchants.
  • the second objective of the present invention is to utilize existing financial instruments such as credit card, debit cards and demand deposit accounts to settle the payments.
  • the third objective of the present invention is to utilize existing encryption and authentication technique to protect confidentiality of information and to verify identification of a party participated in a network-based commerce.
  • the present invention provides a secure payment and settlement system for customer and merchant to conduct network-based commerce.
  • a unique pair of customer identification code (CustlD) and password are assigned by financial institution to individual customer. CustlD is linked to such financial institution and at least an external account of customer managed by such financial institution.
  • a unique merchant identification code (MerchantlD) is also assigned to individual merchant.
  • the present invention requires a customer to use a customer means to communicate with various parties and to request payment gateway or a merchant to generate a temporary unique shopper identification code (ShopperlD).
  • the customer may communicate with a plurality of merchants directly or via payment gateway to conduct a plurality of network-based commerce by supplying ShopperlD to individual merchant for generation of respective purchase record comprising non-confidential data of ShopperlD, MerchantlD and information for the ordered Product. Subsequently, individual merchant sends respective purchase record directly to payment gateway memory or stores such purchase record in customer means for subsequent retrieval by payment gateway or financial institution.
  • the customer uses customer means to send CustlD and ShopperlD to payment gateway for executing the following processes:
  • financial institution After verified password and CustlD, financial institution initiates transfer of payment from customer's external account to a trusty account of clearing house. Thereafter, payment gateway issues for individual purchase record having been confirmed payment a unique pair of Token-code and Check-code conformed to a predefined relationship, and sends Token-code to customer and Check-code to merchant.
  • customer Upon delivery of the ordered Product, customer exchanges Token-code for the ordered Product.
  • Deliverer of merchant verifies existence of the predefined relationship between Check-code supplied by merchant and Token-code supplied by customer for confirming Token-code and thus customer as genuine.
  • merchant sends Token-code to payment gateway for verification and settlement of the payment secured in trusty account for all relevant parties in a network-based commerce.
  • the present invention enables deliverer to verify customer or the authorized recipient as genuine and all parties to identify defaulter caused failure in completing a network-based commerce through tracking the flow of Token- code.
  • Figure 1 illustrates the concept of a secure payment and settlement system of the present invention that a customer settles payment through a payment gateway stored the purchase records for the network-based commerce transacted by the customer with a plurality of merchants.
  • Figure 2 illustrates the concept of a secure payment and settlement system of the present invention that a customer settles payment through a payment gateway by retrieving from customer means the purchase records for the network-based commence transacted by the customer with a plurality of merchants.
  • Figure 3 illustrates the concept of a secure payment and settlement system of the present invention that a customer settles payment immediately for a network-based commerce through a double loop-passing process for Check- code and Token-code.
  • Figure 4 illustrates the concept of a secure payment and settlement system of the present invention that a customer settles payment immediately for a network-based commerce through a single loop-passing process for Check- code.
  • the present invention describes a method and system universally applicable to provide a secure payment and settlement system for at least a customer and a merchant to conduct a network-based commerce.
  • a network refers to a public or private communication system like Internet, Intranet, Extranet, mobile data communication system, wired telephone system, mobile telephone system and postal delivery system etc.
  • a Product is any goods, information and services sold through a network.
  • a Party is a person, company, institution, Internet portal operator or any other entity as part of a payment and settlement system involved in transaction or settlement of payment for a network-based commerce.
  • a Merchant is a Party selling Product through a network.
  • a Customer is a Party ordering Product through a network and making l o payment to a Merchant.
  • a Customer Means is a means e.g. computer, used by Customer to conduct network-based commerce.
  • a Recipient is a Party authorized by Customer to receive the ordered Product.
  • a Deliverer is a Party authorized by Merchant to deliver the ordered Product to Customer or Recipient.
  • a Beneficiary is a Party entitled to receive from payment and settlement system a portion or total of the payment payable by Customer for a network- based commerce.
  • An External-account is any existing financial instrument such as credit card, debit card and demand deposit account etc.
  • a Financial Institution is a functional unit within a Party or a Party e.g. bank, managing External-account for Customer and ensuring sufficient fund or credit in such External-account to pay for a network-based commerce, or a trusted Party
  • a Purchase Record describes detailed information of a network-based commerce transaction. Such information may include Merchant identification code, Merchant URL, identification code and quantity and price of individual Product,
  • a Payment Request describes the detailed information of payment for a network-based commerce. Such information may include Merchant account, Customer identification code, invoice number and amount of payment for a network-based commerce.
  • a Settlement Order describes the detailed account settlement information and instructions for dividing and transferring payment for a network-based commerce credited in a trusty account to the accounts of Merchant and relevant Beneficiaries. Such information may include Merchant account identification, identification code and quantity and price of individual Product sold in a network- based commerce, invoice number of a network-based commerce, account identification of Beneficiaries and method to divide payment for Merchant and Beneficiaries.
  • a Clearing House is a functional unit within a Party or a Party trusted b y Merchant and Beneficiaries to execute Settlement Order and manage fund transfer for Merchant and Beneficiaries according to Settlement Order.
  • a Payment Gateway is a functional unit within a Party or a Party receiving Purchase Record, communicating with Customer for receiving customer identification code and confirming Purchase Record, generating Payment Request for forward transmission to Financial Institution to affect transfer of payment from Customer's External-account to Clearing House, and communicating with Merchant for verifying payment request and activating Clearing House to affect settlement of payment for each network-based commerce.
  • a payment and settlement system is a service that authorizes and executes Payment Request backed by External-account of Customer and Settlement Order for the final settlement of such Payment Request.
  • the present invention to provide a secure payment and settlement system expressed as a method universally applicable to generating a Payment
  • Request and processing a Settlement Order for at least a network-based commerce involving at least a Merchant and a Customer requires assignment of a unique identification code MerchantlD to individual Merchant and a unique pair of identification code CustlD and password or the equivalent (e.g. the smart card or b iometrics authentication technique) to individual C ustomer.
  • CustlD is linked to
  • the present invention introduces the method of allowing a password to be used once only for each authentication process.
  • the method requires a plurality of different passwords to be printed on a handy card, and cover such printed passwords firmly by a thin layer of non- transparent material to prevent disclosure to any unauthorized party.
  • Customer gets a new password through removing the portion of non-transparent material covered such printed new password.
  • Security is further improved by combining such printed new password with other code supplied by Customer to form a new password.
  • the present invention adopts the following inventive steps of registering the passwords printed on a card ready to be used for authentication of Customer:
  • a unique card-code is printed on each card for identification purpose. Such card-code is covered firmly by a thin layer of non-transparent material to prevent disclosure to any unauthorized party. • The card-code and passwords printed on the card are stored in a central means.
  • each card is constructed by combining at least 2 partial cards into a complete card. Each partial card only captures partial printed passwords and card-code, a complete printed password and card-code is obtained b y combining few partial cards into a complete card.
  • FIG. 1 it describes the present invention in resolving the problems and limitations inhabited in the existing process of handling payment settlement fora network-based commerce.
  • Customer 101 Prior to conducting a network-based commerce, Customer 101 initiates a request e.g. supply email address, to Payment Gateway 100 or Merchant 102 for requesting a unique shop per identification code ShopperlD which may simply be a random number or a unique email address or a combination of both email address and a spe ⁇ ' al code supplied by Payment Gateway 100 or Merchant 102.
  • spe ⁇ ' al code may comprise a random number and a code derived from both email address and such random number.
  • the use of special code helps Merchant 102 to verify email address supplied by Customer 101 and improves confidentiality for a network-based commerce because email address is the non-confidential information.
  • ShopperlD has limited life span effective for the intended purpose of identifying C ustomer 101.
  • Customer 101 In executing a network-based commerce, Customer 101 establishes a communication link directly with Merchant 102 for supplying ShopperlD as identification and forward transmission to Payment Gateway 100 together with Purchase Record 115 generated by Merchant 102. Customer 101 may repeat this process with a plurality of Merchant 102 for storing a plurality of Purchase Record 115 and same ShopperlD in Payment Gateway 100. Thereafter, Customer 101 establishes a communication link with Payment Gateway 100 to send CustlD and ShopperlD for retrieving and confirming each stored Purchase Record 115 identified by ShopperlD. After completed such confirmation p ocess, Payment Gateway 100 executes the following processes: » To generate a Payment Request 107 for each confirmed Purchase Record 115.
  • Payment Gateway 100 then executes the following p rocesses:
  • Token-code 108 is uniquely related to Check-code 109 in a predefined relationship, or Token- code 108 is uniquely tied to Check-code 109 as a p air of random numbers.
  • Merchant 102 passes Check-code 109 to Deliverer 105 to deliver the ordered Product to Customer 101 or Redpient 106 who is given Token-code 108 by Customer 101 for receiving the ordered Product.
  • Deliverer 105 verifies existence of the p redefined relationship between Check-code 109 and Token-code 108 for confirming Customer 101 or Redpient 106 as genuine. Having received Token-code 108 from Deliverer 105, Merchant 102 sends Token-code 108 to Payment Gateway 100 for verification in order to request Clearing House 103 to execute payment settlement.
  • the other embodiment of the present invention as described in Figure 1 requires Customer 101 to establish a communication link with Payment Gateway 100 for supplying CustlD and activating a communication linkage e.g. a hyperlink, provided by Payment Gateway 100 in order to establish a communication link with Merchant 102 for execution of a network-based commerce. As such, no ShopperlD is required for identification of Customer 101 because Payment Gateway 100 may tie Purchase Record 115 received from Merchant 102 to CustlD supplied by Customer 101.
  • the other embodiment of the present invention to verify Token-code 108 as described in Figure 1 requires Financial Institution 104 to generate only Token- code 108 without Check-code 109 and store Token-code 108 in a hand-held tamper-proof device or a central means. Deliverer 105 enters the code supplied by Customer 101 into such device or remotely sends such code to central means for matching with the stored Token-code 108 in order to verify the code supplied by Customer 101 as genuine Token-code 108.
  • Token-code 108 requires a central means to store Token-code 108 and Check-code 109.
  • Deliverer 105 remotely sends the code supplied by Customer 101 to such central means for matching such code with the stored Token-code 108 and sending the linked Check-code 109 to Deliverer 105 who then confirmed the code supplied by Customer 101 being Token-code 108 if the code received from such central means is same as Check-code 109 supplied by Merchant 102.
  • the other embodiment of the present invention as described in Figure 1 requires Payment Gateway 100 to send Merchant 102 a plurality of Check-code 109 and send Customer 101 a plurality of Token-code 108 after Finandal Institution 104 has indicated completion of payment transfer from External- account of Customer 101 to a trusty account of Clearing House 103 for a network-based commerce.
  • Each Token-code 108 is uniquely related to a Check- code 109 in a predefined relationship.
  • Customer 101 gives Merchant 102 one of Token-code 108 in a predetermined sequence of order or in a random order.
  • FIG. 1 describes an alternate embodiment of the present invention applicable to providing a secure payment and settlement system for a network-based commerce. In executing a network-based commerce.
  • Customer 201 uses Customer Means 216 to establish a communication link with Merchant 202 for receiving and storing Purchase Record 215 generated by Merchant 202. Customer 201 may repeat this process with a plurality of Merchant 202 for Customer Means 216 to store respective Purchase Record 215.
  • the Customer means is a computer teiminal or processor device.
  • Customer 201 confirms each stored Purchase Record 215 retrieved from Customer Means 216.
  • Customer 201 uses Customer Means 216 to establish a communication link with Payment Gateway 200 for supplying CustlD and the stored Purchase Record 215 in order to complete each confirmed network-based commerce in the following way similar to what has been described in the Figure 1 embodiment:
  • Payment Gateway 200 sending Token-code 208 to Customer 201 and Check-code 209 to Merchant 202.
  • the other embodiment of the present invention as described in Figure 2 requires Customer 201 to establish a communication link with Payment Gateway 200 for supplying CustlD and activating a communication linkage e.g. a hyperlink, provided by Payment Gateway 200 for establishing a communication link with Merchant 202 to execute a network-based commerce.
  • a communication linkage e.g. a hyperlink, provided by Payment Gateway 200 for establishing a communication link with Merchant 202 to execute a network-based commerce.
  • Payment Gateway 200 may receive CustlD from Customer 202 for identification purpose and retrieve Purchase Record 215 from Customer Means 216 for Customer 201 to confirm each network-based commerce.
  • the present invention resolves the inherent problems and limitations in the existing system to handle network-based commerce as follows:
  • Payment Gateway or Finandal Institution may solely rely on Token-code supplied by Merchant as the evidence of having received proper instruction from Customerto pay Merchant.
  • Figure 3 describes the embodiment of the present invention applicable to immediate settlement of payment for a network-based commerce e.g. a commerce transacted over shop counter. Having transacted a network-based commerce, Merchant 302 sends Purchase Record 315 to Payment Gateway 300 for requesting Check-code 309 there from and then forward passing Check- code 309 to Customer 301. Customer 301 uses hand phone or other communication means to establish a secured session for requesting Finandal Institution 304 to execute the following processes:
  • Customer 301 passes Token-code 308 to Merchant 302 for sending Token-code 308 and Check-code 309 to Payment Gateway 300.
  • Financial Institution 304 then executes the following processes upon receipt of Token-code 308, Check-code 309 and Payment Request 307 from Payment Gateway 300:
  • FIG. 4 A simplified version for the embodiment of the present invention as described ⁇ Figure 3 is presented in Figure 4.
  • Merchant 402 sends Purchase Record 415 to Payment Gateway 400 for requesting Check-code 409 there from and forward passing Check-code 409 to Customer 401.
  • Customer 401 then uses hand phone or other communication means to establish a secured session for requesting Finandal Institution 404 to execute the following p rocesses:
  • Check-code is p re-assigned by Finandal Institution and stored in Payment Gateway. Upon receipt of Purchase Record from Merchant for a network- based commerce, Payment Gateway sends such Check-code to Merchant and sends to Finandal Institution such Check-code together with Payment

Landscapes

  • 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)

Abstract

L'invention porte sur un système et un procédé permettant un paiement et un règlement sécurisés de transactions commerciales dans un environnement de réseau, tel que l'Internet, l'Intranet, un système de téléphonie mobile ou analogue. Ce système et ce procédé consistent à attribuer des identifiants uniques à un client (101) et à un marchant (102) afin de vérifier les détails relatifs à l'achat et au paiement au moyen d'une passerelle de paiement (100) autorise le paiement par une institution financière (104) d'autoriser le paiement et/ou le règlement par l'intermédiaire d'une chambre de compensation (104). Des registres d'achat (115), des codes de contrôle (109) et des codes de jetons (108) sont émis de sorte que dans l'éventualité d'une défaillance de n'importe quelle partie à la transaction, ladite partie défaillante puisse être identifiée facilement.
PCT/SG2001/000235 2000-11-24 2001-11-16 Systeme et procede de paiement et de reglement securises dans un environnement de reseau WO2002043337A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002222884A AU2002222884A1 (en) 2000-11-24 2001-11-16 System and method for secured payment and settlement in network environment

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG200006941A SG96588A1 (en) 2000-11-24 2000-11-24 System and method for secured payment and settlement in network environment
SG20006941-9 2000-11-24

Publications (1)

Publication Number Publication Date
WO2002043337A1 true WO2002043337A1 (fr) 2002-05-30

Family

ID=20430695

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SG2001/000235 WO2002043337A1 (fr) 2000-11-24 2001-11-16 Systeme et procede de paiement et de reglement securises dans un environnement de reseau

Country Status (3)

Country Link
AU (1) AU2002222884A1 (fr)
SG (1) SG96588A1 (fr)
WO (1) WO2002043337A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004047079A2 (fr) * 2002-11-18 2004-06-03 Dharam Pal Procede de paiement en ligne

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998040809A2 (fr) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Procede et systeme de traitement protege de transaction en direct
EP1020824A2 (fr) * 1998-12-11 2000-07-19 CheckFree Corporation Technique pour effectuer des transactions sécurisées sur un réseau
US6138107A (en) * 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6138107A (en) * 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network
WO1998040809A2 (fr) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Procede et systeme de traitement protege de transaction en direct
EP1020824A2 (fr) * 1998-12-11 2000-07-19 CheckFree Corporation Technique pour effectuer des transactions sécurisées sur un réseau

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004047079A2 (fr) * 2002-11-18 2004-06-03 Dharam Pal Procede de paiement en ligne
WO2004047079A3 (fr) * 2002-11-18 2006-06-15 Dharam Pal Procede de paiement en ligne

Also Published As

Publication number Publication date
AU2002222884A1 (en) 2002-06-03
SG96588A1 (en) 2003-06-16

Similar Documents

Publication Publication Date Title
US11880815B2 (en) Device enrollment system and method
US10579977B1 (en) Method and system for controlling certificate based open payment transactions
US7734527B2 (en) Method and apparatus for making secure electronic payments
CA2386139C (fr) Systeme de traitement de paiement sur et efficace
US7127427B1 (en) Secure transaction processing system and method
TW544605B (en) System for facilitating a transaction
US20030130955A1 (en) Secure transaction systems
WO2002046880A2 (fr) Systeme et procede de virement de fonds selon le modele du pousser
WO2001069549A1 (fr) Procede et dispositif d'autorisation de paiement
WO2002014985A9 (fr) Systeme automatise de paiement
JP2001291032A (ja) 匿名性を持つ代表支払い手段を用いた電子支払いシステム及びその方法
JP2004507842A (ja) 電子商取引による電子領収書管理システム及びその方法
AU775065B2 (en) Payment method and system for online commerce
JP2014053020A (ja) 支払処理のため加盟店契約会社に認証データの転送を支援するウェブ端末及びブリッジ
EP1214696A1 (fr) Procede de transfert de paiements securise
KR100737830B1 (ko) 전자상거래 금융정보 처리시스템과 그 방법
EP1134707A1 (fr) Procédé et dispositif d'authorisation de paiement
US20050015304A1 (en) Secure purchasing over the internet
US20030182207A1 (en) Electronic Commerce Transaction System
US20020123935A1 (en) Secure commerce system and method
US20010027425A1 (en) Method of and apparatus for facilitating on-line transactions
KR20060124375A (ko) 거래 시스템 및 이 시스템을 통한 사용자 인증 방법
WO2002043337A1 (fr) Systeme et procede de paiement et de reglement securises dans un environnement de reseau
WO2002058018A2 (fr) Procede et systeme de paiement, et carte de paiement utilisee avec ledit systeme
TW530230B (en) Network transaction system with enhanced security

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ PH PL PT RO RU SD SE SI SK SL TJ TM TR TT TZ UA UG US UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
121 Ep: the epo has been informed by wipo that ep was designated in this application
REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS PURSUANT TO RULE 69(1) EPC

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP