CN1298526A - A method for using a telephone calling card for business transactions - Google Patents
A method for using a telephone calling card for business transactions Download PDFInfo
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- CN1298526A CN1298526A CN99804302A CN99804302A CN1298526A CN 1298526 A CN1298526 A CN 1298526A CN 99804302 A CN99804302 A CN 99804302A CN 99804302 A CN99804302 A CN 99804302A CN 1298526 A CN1298526 A CN 1298526A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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- 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
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Abstract
A method using a telephone calling card to transact commerce electronically. In one embodiment a user initiates a phone call to a merchant using a calling card provided by a service provider. The service provider initially checks the identify of the user through the use of a PIN code (1). Once the user's identity is validated the user's call to the merchant is established. The user and merchant then agree upon the sale of item at which time an invoice is provided to the service provider by the merchant. The invoice is then approved by the user while the merchant is disconnected from the call. In another embodiment the user is connected to the merchant over the Internet, the user's identify having been previously validated by an Internet Service Provider. The user drags a copy of the invoice to an application running on a Web Page. The application appends the user's digital signature to the invoice and mails it to the merchant. The merchant then presents the signed invoice to a server which authenticates the signature of the user prior to approving the sale.
Description
Technical field
The present invention relates to the commercialization field of business transaction.Especially, the present invention relates to safety and effectively the problem of telephone calling card (calling card) as the credit card of business transaction.
Background technology
Increasing consumer selects the position at reality service of not entering or article place and finishes purchase.In recent years, because especially WWW and other shopping network based on the electronics mode (such as the home shopping net) make this social phenomenon constantly develop in the Internet.In fact, can obtain to allow the consumer to rove the virtual mall of each virtual shop by using personal computer.Except home shopping, finally other field that can extensively realize via ecommerce comprises on-demand film, video-game, video library, home banking and on-demand music.What especially attract the consumer is can buy article and service and need not to worry to seek the parking lot or wait in line.In fact, ecommerce may become the leading means of buying any or all article or service one day, and it also may thoroughly change the mode of carrying out business transaction.
Under current economic system, wish that the consumer who carries out careful electronics purchase (that is, need not actually showing up) has only two kinds of selections.If he concludes the business by computing machine, then he can use some safe electronic payment schemes, such as eCash or MilliCent.Otherwise unique obtainable instrument is common credit card.
ECash is a kind of payment system based on software, and it allows the user to pay by mails to any other computing machine from any computing machine via the computer network that comprises the Internet.ECash buys needs three participant-buyers, sell the bank that advocates peace.At first, buyer extracts digital coin or eCash from its bank account.The numeral coin is actually the message (message) with many string numerals, and each numeric string is corresponding to different digital coins.These message are sent on buyer's the computing machine, locate eCash software administering digital coin automatically at this.Then, there is the buyer of eCash to buy at hand to seller who on the eCash transaction system, contracts in advance or businessman.Yet before the execute sales, seller's software automatically sends to bank to the digital coin that receives from buyer between buyer and seller.By coin is sent to bank, the seller can protect and oneself prevent swindle.Like this, bank is used as central authority.In order to protect buyer's the right of privacy, use Chaum, DavidL. is 4 of " hidden signature system " by name; 759, No. 063 United States Patent (USP)s and Chaum, David L. is 4 of " the hidden signature system of rreturn value " by name; " hidden signature " described in 949, No. 380 United States Patent (USP)s.A shortcoming of this system is that in order to carry out single purchase, buyer and seller must have the account in the eCash system.What this shortcoming was especially spoilled one's pleasure is to stimulate purchase article or service may sacrifice the consumer with the signatory time that is spent of this system.Another shortcoming is that before thinking that purchase finishes, each purchase all needs the processing of go-between (for example, bank).
MilliCent is another kind of payment system based on software, and it mainly is to design for content-based Internet commerce.The MilliCent system is to use " scrip (scrip) ".Scrip is a kind of managing pre-paid electronic ticket (coupon) that substitutes the shopping cash basically.Scrip is sent by the middle man or the seller that play go-between's effect between the consumer and the seller.Basically, the consumer for example by credit card to the appointment scrip (promptly this scrip only can be used to buy the content from particular vendors) that the middle man or the seller buy the seller, use this scrip to buy then.Though the MilliCent system does not need user account, its still old shortcoming.At first, each user must subscribe and use MilliCent software.In addition, scrip is seller's appointment, thereby has limited purchase and consumption person's dirigibility.Thereby, there is nothing different with eCash, MilliCent may have negative effect to the stimulation that moment is bought.On the other hand, the low transaction cost such as systems such as eCash or MilliCent makes their special purchase costs that attracts hang down 10 cents article or the service of reaching.
ECash and MilliCent only are two kinds in many prior art schemes of establishing for the secure e-business on computer network transaction.CyberCash, NetBill, NetCash and NetCheck and the system that is provided by Netscape, First Virtual Holding and NTT are provided other popular scheme.Although these e-commerce systems are various, these system's fellowships safety is provided and prevent to swindle, the breach of security or personation and guarantee the common objective of consumer's the right of privacy.For the measure of safe enough is provided, nearly all e-commerce system is all utilized encryption technology.Like this, use public keys and private key encryption or decrypt scheme to set up buyer or businessman's identity, with authorization information and the electronic signature of legally binding and unlikely forgery is provided.
Compare with using the consumer such as e-commerce systems such as eCash or MilliCent, the consumer who uses credit card to carry out teleshopping has greater flexibility to select to conclude the business with whom.The consumer who uses credit card to carry out the electronics purchase at first asks to buy to the businessman.Then, the businessman gets in touch to require approval with the mechanism that issues the consumer credit card.If this purchase is approved that then the businessman finally provides a token (token), the businessman transfers to this token in its bank account, from this mechanism to consumer's bill of hopping.Use credit card to carry out the electronics purchase the intrinsic problem of itself is also arranged.At first, though used encipherment protection such as information such as credit numbers in credit card trade, the security of credit card is still relatively poor.Any businessman all desirable information that the user gave and buy extra commodity to other businessman; Even find swindle, the hope of tracing back to dishonest businessman is also very remote.The threat that transaction was eavesdropped or tried to find out to the outsider also causes very big risk.Bigger risk is possible to store the breaking in of main frame place of credit number.Secondly, the more important thing is the expense of credit card very high usually (Dian Xingdeshi $0.20+ transaction cost 2%).This makes the payment that Credit Card Payments Bu Shiyingyu $1.00 is following.
A kind of consumer of permission can buy article or service to the businessman and need not the businessman or the consumer is useful according to the method and system of special software.In addition, this system or method should be safe, it does not need the consumer reveal may be stolen such as personal informations such as credit numbers.At last, this system should be ubiquitous, and it allows any purchase with all consumers and need not to patronize the shop.
Summary of the invention
Our invention is the pay method and system of (it is as the part of e-commerce transaction) of a kind of use phonecard.
Our system comprises that one is connected to the eCard server of public network, and consumer and businessman can communicate and conclude the business by this server.According to our system, public network can be the Internet or Public Switched Telephone Network.Correspondingly, our system provides home shopping and the consumer does not need to have the possibility of personal computer or credit card.
When buying on the Internet, share a secret cryptographic key according to our invention by user and call card server.In a word, when user or consumer wished to buy, he and businessman got in touch, and the businessman prepares issue voucher.This user uses its a call card number and a PIN code to sign this issue voucher.Then, the businessman sends to the eCard server to the issue voucher through signature.Server is differentiated this signature, verifies whether this user has enough funds to carry out this purchase, and sends an affirmation to the businessman.After receiving the confirmation, the businessman then notifies the user successfully to buy.After, on telephone bill, leave the bill of these article to this user, this issue voucher is kept in the eCard server in order to checking account and guaranteeing that this transaction is not refused to pay.According to our invention, do not need personal information is given to businessman (even the consumer may be anonymous).Like this, reduced risk of fraud.
Embodiment of invention according to us can buy on PSTN.According to this embodiment, the user at first uses its telephone calling card to begin to make a phone call to the businessman.Therefore, the user at first shows himself to telephone network.Then, telephone network is finished the calling to the businessman, thereby businessman and user can hold consultation with regard to a certain transaction.In case consult to finish, user or businessman be with the intermediary of signalisation telephone system as transaction, and for example, the user can use quick hanging on/up/dial the number, and perhaps the businessman can use the Internet.The businessman (is in fact carrying out) sending to the eCard server together to the issue voucher that can hear and user's PIN thereby the user can differentiate this purchase.Then, the eCard server is play this issue voucher that can hear and user PIN to the user, thereby the user can promise acceptance or refuse this purchase.If agree to buy, then will on telephone bill subsequently, leave the bill of these article, and preserve this issue voucher once more in order to checking account and not refused to pay to the user.Another expansion of the present embodiment of our invention comprises that the user buys the call card through prepayment, thus the additional step of making out the bill to the user after removing from.
Another embodiment of invention according to us can use WWW to conclude the business via the Internet.In the present embodiment, the consumer at first dials and enters the server that Internet service provider (ISP) (it can be a telephone operator) is supported.As the part of ongoing dialing, confirm consumer's identity.Then, the user tows to an application program in the last operation of Web Page (web page or leaf) to the copy of issue voucher or purchase order.This application program appends to this user's digital signature on this issue voucher and it and sends the businessman.Then, the businessman can be this issue voucher through signature to pass eCard server, this server discriminating user's before this dealing of approval signature.
Our invention provides the several advantages that are better than prior art.In these advantages some comprise:
The chance that the extensive practicality of call card provides more over-bought to sell to the businessman.Because call card is more more extensive than the practicality of credit card, so the businessman can obtain major part among the buyer as potential e-commerce spending person.The more important thing is that these consumers do not need to have the credit that is enough to become the consumer just can buy the prepaid card that can obtain the different digital monetary value;
Even under the situation that needs actually to make out the bill, can make out the bill to each telephone customer for the basis by the moon, make that the expense of making out the bill is less;
Different with most of credits card, call card is safe (consumer's utility service).Because the telephone service supplier has more influence than typical bank, thus it unlikely need be when charge a large amount of money of cost;
The call card facilities design is become the payment of processing than financial service facility much less;
Telephone operator can influence the existing obtainable security of PSTN, differentiates so that better security and user to be provided;
Telephone operator is trusted by the public and businessman normally, thereby can be telephone operator as suitable " trusted third party " in contract agreement; And
Can keep user identity to be exclusively used in not relating to those transaction of shipping (for example, payment download map or video recording).
Described and partly by those skilled in that art's inspection from following description, attached purpose of the present invention, advantage and new feature will become more obviously, maybe can know by putting into practice the present invention.Can utilize the means and the combination that particularly point out in the accessory claim book to realize and obtain objects and advantages of the present invention.
Summary of drawings
System architecture of the present invention is shown to Fig. 1 example.
Fig. 2 is the constitutional diagram that is illustrated in information flow between the element shown in Figure 1 of concluding the business on the PSTN; And
Fig. 3 is the constitutional diagram that is illustrated in information flow between the element shown in Figure 1 of concluding the business on the Internet.
Better embodiment of the present invention
Forward Fig. 1 to, shown in it according to our the comprehensive synoptic diagram of system 100 of invention.System 100 is connected to various businessman or shop 105 and fiscal institution 106 to user or consumer 101 by public switched telephone network (PSTN) or the Internet 111.By ISP or believable third party 112, promptly Internet service provider (ISP) telephone operator sets up or leading subscriber 101 to businessman 105 connection.Call card or eCard server 115 also are connected to network 111, and the inventory (schematically being shown database 116) of stored calls card number, PIN, address name and address and line of credit (if any).Schematically businessman 106 and ISP 112 are separated though it should be noted that us, businessman and ISP may be same entities.For example, existing its oneself the online shopping network of some telephone operator.In a word, after ISP 112 was connected to businessman 105 to user 101, user 101 was by selecting the article that the businessman provided or serving the operation that starts this system.In case reach an agreement with regard to price between user 101 and businessman 105, user 101 has just selected eCard as method of payment.In case choose method of payment, eCard server 115 just starts and a series of as discussed in detail below action of management, the feasible bill from commodity to consumer 101 that can leave this service or of these action.
All bigger telephone operators all issue call card.Proved that these cards are to make the consumer dial the effective of charge trunk call and convenient mode away from dwelling house the time.Usually, the user dials free call numbers (toll-freenumber) and keys in it and call out card number and password (PIN).The ISP checks the validity of this number and the correctness of PIN, and allows the user to dial the charge trunk call.The expense of these phones appears on user's the telephone bill.Like this, call card provides a kind of safety method that connects the user through PSTN.Our invention has influenced already present security among the PSTN by using encryption technology, and has strengthened this security on computer network (for example, the Internet).
Employed main encryption technology is the personal digital signature in our invention.In order to use these signatures, user 101 and server 115 are shared a privacy key.In order to sign a file, user 101 appends to this privacy key on this document, and use such as Standard Encryption hash functions such as MD5 or SHA calculate cryptographic check and.Send to server 115 this verification with this document, server 115 carries out same verification and process.If verification is with consistent, then server 115 can affirm that this document is by user's 101 signatures.The personal digital signature is a kind of preferable encryption method, because a private cipher key is provided for when Payment Card the consumer of each telephone calling card.Private key encryption also is applicable to our invention better, because do not exist the consumer to confirm oneself being who notary public to them.The more important thing is that private key encryption is more cheap implementation method, and utilized the ISP to issue call card and as this fact of trusted third party.However, also can use public key encryption technology to differentiate client's signature.
Forward Fig. 2 now to, the method step of first embodiment of our invention shown in it, it allows the consumer to buy through PSTN.As shown in Figure 2, this process calls 202 to businessman 105 consumer or client 101 from consumer's family or use call card, or confirms themselves by some other mechanism to PSTN.In case set up consumer's identity, then consumer's service provider system or PSTN11 just set up between consumer 101 and businessman 105 and call out (call) 202.Then, consumer 101 and businessman just conclude the business and 208 hold consultation.
In case consult to finish, consumer 101 knocks upward predetermined key 210 sequences of telephone dish (pad), and (for example, hanging on/up (flash hook) heel is dialed * 678 fast, thereby wishes to buy with signalisation service provider system 111 consumers.When service provider system 111 received this sequence or signal 210,111 temporary transient disconnection businessman 105 of system and consumer 101 were connected, and set up two callings, call out 212 directed towards customers 101 for one, and another is called out 214 and points to businessman 105.Perhaps, this system alternately temporarily disconnects businessman 105 and being connected that consumer 101 calls out therewith, rather than temporarily disconnects businessman 105 and consumer 101.If the consumer is just using a call card, then inquire consumer's PIN, step 216.Certainly, if the consumer calls out from family, then PIN is not essential.When step 216 inquiry consumer's PIN, also inquire the number of transaction that the businessman imports, step 218.Then, consumer and businessman can return institute's information requested, step 220 and 222 respectively.Returning during information requested, also can ask or allow consumer and businessman to return additional information about this transaction.For example, the consumer can import its name and address, and step 224 writes down this information by ISP 111.Similarly, the article that the businessman also can import its name and be bought, step 226 writes down this information by ISP 111.Can reveal to the consumer to this additional information that the businessman provided, perhaps vice versa.In addition, the businessman can be with hearing issue voucher or with the issue voucher of the Internet this information being sent to the ISP.Yet this additional information is not that to finish this dealing necessary.This is because the both sides of transaction have known article and the price of choosing.
Then, the ISP checks consumer and businessman record selecting suitable form of payment, and checks the availability of consumer aspect fund, step 227.As shown in Figure 2, step 227 relates to the ISP and visits eCard server 115.Should note, though in the above description, service provider system 111 is described as being from consumer and businessman's acquisition of information, but service provider system 111 also can play the effect that allows 115 requests of eCard server, collects and manage the traffic-police of whole transaction.
In case choose method of payment, the ISP plays the description of product and price to the consumer, step 230, and reception is from consumer's affirmation, step 232.In case receive the confirmation, then reconnect consumer and businessman, step 235.
In our second embodiment of invention, and as shown in Figure 3, the consumer also can use WWW (Web) to go up obtainable application program and buy article via the Internet.The consumer enters Internet service provider (ISP) modem pool (poo1), input user identification code and password by dialing and begins transaction, step 302.ISP verifies the user and sets up and being connected of Web page or leaf that the client is from Web page or leaf negotiation article and price, step 304 subsequently.Then, the consumer clicks the eCard icon (step 306) on the Web page or leaf, thereby just transaction is held consultation; Notice that the Web page or leaf can be the consumer's or some other trusted third party a Web page or leaf.As a result, created two new connections, one from the consumer to the eCard server, connect 308, another from the eCard server to businessman, step 310.Then, the eCard server is inquired its call card PIN, step 312 to the consumer.Meanwhile, the request businessman imports the quantity of transaction on issue voucher or purchase order 314.As the situation of the previous embodiment of the present invention, the consumer can randomly write down any other specific project of the relevant transaction of indication, step 318 and 320 respectively with the businessman.Use speech (voice), Web page or leaf or off line Email, service provider system can randomly be play the record of consumer's speech and name.Then, this systems inspection consumer and businessman's record, step 330, with select suitable form of payment (usually relevant call card account, but also may related credit card, ATM etc.).Then, this system confirms the affirmation (step 338) from the consumer of the description of product and price (step 336) and reception to the consumer.Confirm after (step 338) that the client consumer can roam and carry out another time purchase again on Web.
More than only the present invention will be described and description in description.It is not limit, neither limit the invention to any definite form that is disclosed.Can carry out many modifications and variations by above description.These embodiment select to describe for principle of the present invention is described best, and its practical application is fit to desired special-purpose, so that other technician in this area can utilize the present invention with various modifications best at various embodiment.
Claims (9)
1. E-commerce method that uses trusted third party is characterized in that may further comprise the steps:
One client uses a telephone calling card to confirm himself to a network, and described network is finished being connected of described client and a businessman;
The item of the dealing of article of choosing with regard to described client between buyer and the businessman is held consultation;
Wish to buy with the described client who is identified of the described trusted third party of signalisation;
Transmit a PIN by described client to described trusted third party;
Transmit the issue voucher of information with relevant selected item to the client by the businessman;
This issue voucher is sent to a server, in order to confirm client's approval and fund and availability;
Approve of businessman's issue voucher with signals security ground notice by the client; And
Ratify payment funding by server with signalisation consumer and businessman.
2. the method for claim 1 is characterized in that also being included in the step of leaving the bill of this purchase on client's phone or the call card bill.
3. method as claimed in claim 2, it is characterized in that the step that the client confirms comprises that the user calls the step of ISP's number, the number of being dialled has relevant with the client uniquely PIN code, and the telephone service supplier confirms client identity authentication according to the PIN code of being dialled.
4. method as claimed in claim 3 is characterized in that the step that described client approves of with signalisation comprises following substep:
The telephone service supplier sets up two independently calls, and each is called out and all points to client and businessman;
Telephone system is to the record of client playing businessman issue voucher; And
Telephone system is collected the approval response of keying in or dictating from the user.
5. method as claimed in claim 4 is characterized in that the client approves of issue voucher to comprise that the user obtains the copy of issue voucher and this issue voucher is signed in user's use with digital signature public or that the private key cryptography is created substep.
6. the method for claim 1 is characterized in that the client confirms that to network his step comprises that dialing enters the Internet service provider modem pool.
7. method as claimed in claim 6 is characterized in that the client confirms that to network his step comprises that also the user uses computing machine dialing to enter described Internet service provider modem pool, import an exclusive identification code and Internet service provider confirm client identity authentication according to the exclusive identification code of being imported step by the user.
8. method as claimed in claim 7 is characterized in that the client approves of the step of issue voucher may further comprise the steps with signalisation:
The client is placed in the copy of issue voucher in client's the eCard application program of computing machine place operation;
The eCard application program is inquired password to the client;
The eCard application program is created client's digital signature according to password;
The eCard application program appends to this digital signature on the issue voucher;
The eCard application program is sent the businessman copy of the additional issue voucher of described warp;
Businessman one side, the issue voucher through signature is sent to the eCard server; And
At eCard server place, confirm client's signature.
9. method as claimed in claim 8 is characterized in that using public or private key cryptography to create the described step of client's digital signature.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US7915698P | 1998-03-24 | 1998-03-24 | |
| US60/079,156 | 1998-03-24 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1298526A true CN1298526A (en) | 2001-06-06 |
Family
ID=22148789
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN99804302A Pending CN1298526A (en) | 1998-03-24 | 1999-03-22 | A method for using a telephone calling card for business transactions |
Country Status (8)
| Country | Link |
|---|---|
| EP (1) | EP1064611A1 (en) |
| JP (1) | JP2002508547A (en) |
| KR (1) | KR20010034629A (en) |
| CN (1) | CN1298526A (en) |
| AU (1) | AU3108199A (en) |
| CA (1) | CA2324114A1 (en) |
| ID (1) | ID28328A (en) |
| WO (1) | WO1999049404A1 (en) |
Families Citing this family (33)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP2003524220A (en) | 1998-12-23 | 2003-08-12 | ジェイピーモルガン・チェース・バンク | System and method for integrating trading activities including creation, processing and tracking of trading documents |
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| US4759063A (en) | 1983-08-22 | 1988-07-19 | Chaum David L | Blind signature systems |
| US4949380A (en) | 1988-10-20 | 1990-08-14 | David Chaum | Returned-value blind signature systems |
| US5353335A (en) * | 1992-08-03 | 1994-10-04 | At&T Bell Laboratories | Multilingual prepaid telephone system |
| US5825863A (en) * | 1995-12-11 | 1998-10-20 | Walker Asset Management Limited Partnership | Prepaid limited usage calling card |
-
1999
- 1999-03-22 WO PCT/US1999/006195 patent/WO1999049404A1/en not_active Application Discontinuation
- 1999-03-22 JP JP2000538306A patent/JP2002508547A/en active Pending
- 1999-03-22 CN CN99804302A patent/CN1298526A/en active Pending
- 1999-03-22 AU AU31081/99A patent/AU3108199A/en not_active Abandoned
- 1999-03-22 KR KR1020007010517A patent/KR20010034629A/en not_active Application Discontinuation
- 1999-03-22 CA CA002324114A patent/CA2324114A1/en not_active Abandoned
- 1999-03-22 EP EP99912783A patent/EP1064611A1/en not_active Withdrawn
- 1999-03-22 ID IDW20001904A patent/ID28328A/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| JP2002508547A (en) | 2002-03-19 |
| EP1064611A1 (en) | 2001-01-03 |
| ID28328A (en) | 2001-05-10 |
| AU3108199A (en) | 1999-10-18 |
| CA2324114A1 (en) | 1999-09-30 |
| KR20010034629A (en) | 2001-04-25 |
| WO1999049404A1 (en) | 1999-09-30 |
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