CN1691035A - 短消息业务电子商务 - Google Patents
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- G06Q30/00—Commerce
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- 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
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
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Abstract
互联网电子商务由于实现和结算一个买主(1)通过互联网(7,14)在一个出售产品(8)或服务的卖主(3)处进行的买卖的装置和方法而变得高效和高度安全。在此方法中,实现和结算一个买主(1)通过互联网(7,14)在一个出售产品(8)或服务的卖主(3)处进行的买卖的方法和装置,其中为了一个由买主(1)经过互联网(36)提出(24)的买卖,代表买主的移动无线用户-标识的移动无线用户-标识数据(6)由买主通过移动无线网(2)传送(2,7)给卖主(3)并且由卖主(3)继续传送(9)到一个安全装置(4),一个移动无线网(2)上对于此买卖的交易号(13a,13b)被传送给安全装置(4)并通过移动无线网(37)传送给买主(1),在继续从买主(1)通过移动无线网(14)传送(14)交易号(13a)给卖主(3)的情况下交易号(13a)被检查(4,13b;3,13b),在交易号(13a)被检查(在4中)通过的情况下开始结算(19,20,21)。
Description
本申请是申请号为00811559.1,申请日为2000年8月2日,发明名称为“短消息业务电子商务”的专利申请的分案申请。
技术领域
本发明涉及用于实现和结算一个买主通过互联网在一个出售产品或服务卖主处进行买卖的方法和装置。
发明内容
本发明的目的在于,使得实现和结算一个买主用移动无线终端通过互联网进行的买卖尽可能有效和可靠。此任务这样来完成:实现和结算一个买主通过互联网在一个出售产品或提供服务的卖主处进行的买卖的方法,其中为了进行由买主经过互联网提出的买卖,代表买主的移动无线用户标识的移动无线用户标识数据由买主通过其移动无线网传送给卖主并且由卖主继续传送到一个安全装置,其中安全装置将移动电话号码发送给移动无线网络运营商,由移动无线网络运营商来检验是否允许购买,并将一个允许指令和一个交易号一起传送给安全装置,其中还由安全装置将这个交易号传送给买主,并由买主将交易号继续传送给卖主,卖主同样也从安全装置接收交易号,在由卖主或安全装置对交易号进行的检验通过的情况下,开始进行结算。
本发明方法由于组合了移动无线网识别过程(尤其是MSISDN的检验传递)和与交易有关的交易号,一方面对于买主特别舒适,另一方面不仅对买主,而且对卖主都特别安全。
本发明特别适用于买主通过移动无线终端在互联网上(例如通过卖主的一个WAP主页)发出的买卖查询;然而它也可用于买卖结算中的确认,偿付能力检验和了结,它们由一个买主用一台计算机在固定网上(例如在卖主的主页上)起动,在某些情况下仅通过交易号和移动无线用户识别(尤其是MSISDN)经过买主的一个移动终端实现识别检验。财政结算可非常有效地在买主的通信帐单(移动无线费用帐单)上进行。它也可以如此实现:从买主的一个银行帐户划出一笔数额,并将此数额登到卖主的银行帐户上。
附图说明
本发明的其它特征和优点在下面借助实施例对本发明的说明给出。
图1是本发明实现和结算互联网上的一笔买卖的方框图。
具体实施方式
图1示出一个买主1(用一个具有移动用户号-标识卡SIM的移动无线终端),一个移动无线网的移动无线网运营商2,一个出售产品或服务的卖主3,一个可被移动无线网运营商提取或从属于他的安全装置4和一个银行5。
这里买主1,卖主3,安全装置4和银行5主要是指其终端(通信装置,计算机,数据库)。
买主1在互联网中冲浪。这原则上可用一台计算机在固定网上运行。这里用一台未出的具有SIM卡的移动无线终端,例如GSM或UMTS终端进行。这里买主用移动无线终端通过WAP 36在互联网移动无线网2上冲浪。买主1例如通过用鼠标按卖主主页上一个相应的键来确定在卖主3主页上提供的产品。为了可结算买卖,卖主3询问买主1的移动无线电话号6(例如通过其用于主页的主机)。这也可以在冲浪时通过检证被传输。买主1例如通过移动无线或移动无线-短消息经WAP以其移动无线电话号6(+491721234567)的形式传送(7)其移动无线用户标识将其购买申请24(通过其移动无线终端)至卖主3。卖主3例如通过固定网和/或VPN在传输步骤9传送至少此移动无线电话号6(以及售价7的金额70马克等其它数据)以及产品代号(“牛仔裤”)8至安全装置4。安全装置4在传输步骤10中传送至少移动无线电话号6至移动无线网运营商2。移动无线运营商2基于移动无线电话号6检验是否按照本发明的买卖结算已经过互联网接通移动无线电话号6。此检验例如可由一个WAP服务器36或读取相应的文件(例如在HLR中或在KIAS中或在NMC中)完成。移动无线使用者的偿付能力检验也可用电话号6实现。在检验被通过的情况下,由移动无线运营商2(和/或一家银行)实现的对此电话号6和必要时对一个通过的偿付能力检验的接通使得移动无线运营商2能够在互联网上实现和结算买卖。为此在由移动无线运营商2至安全装置4的传输步骤11中数据14,16,33,13b被传输。如果结算应在以后买主1的移动无线结算时(例如由于价格和/或卖主和/或产品的原因)进行,则仅仅传输交易号TAN4711(标号13b)(它的传输隐含着对移动无线电话号6的接通和偿付能力)。如果结算应在银行5中的帐户上进行,在从移动无线经营商2至安全装置4的传输步骤11中增加传送帐号,银行号和姓名(标号14数据)。移动无线网中一个装置(具有数据库的计算机)中产生和/或存储的交易号13a从哪里出发被传输到买主1(传输步骤37),例如通过从移动无线运营商的SMSC 34至买主1的移动无线终端的短消息。用于买主1的交易号13a与用于安全装置4和/或卖主3的交易号(13b)是相同的。买主1通过移动无线传送(35)交易号(4711,标号13a)给卖主3。这可以例如通过短消息(34)或者在WAP协议(36)上实现。必要时买主1也可同时或在以后再次确认:他想购买(32)。在传输步骤15(独立于传输步骤14,也可在传输步骤14之前,同时或之后)中由安全装置4传输(通过固定网等)有关接通和/或移动无线电话号的偿付能力的信息16,33至卖主3。
交易号13a,13b的检验尤其可以在卖主3处或在安全装置4处完成。
一旦卖主3收到由买主1传送(35)来的交易号13a(必要时一个确认32:买主1仍想购买),并且另一方面他收到明显或隐含的(13a)通知16:使用者被接通,以及必要时收到关于偿付能力的信息之后,他可在传输步骤17(必要时在检验其库存状况后)中传送买主的电话号6以及金额7和产品代号8给安全装置4。如果在安全装置4中应检验TAN(交易号)13a,由买主1传送(35)到卖主3的TAN 13a被转送(17),并且在安全装置4中通过将由移动无线网运营商2传送给安全装置4的交易号13b与由卖主3传送给安全装置4的交易号13a(以前由买主1发出的)进行比较来完成交易号的检验,如此可完成对卖主3的证实并开始结算。
此外与通知16一起,由移动无线网运营商2传送给安全装置4的交易号被传送给卖主3,并且在卖主3处(即在卖主的计算机上)将此交易号13b与从买主1传送给卖主3的交易号13a进行比较,并且在交易号13a,13b通过检验(两者相同)时一个买卖证明6,7,8被传送给安全装置4,通过此证明在安全装置开始结算19,20或21(在卖主帐户上的登记录在此可通过银行5完成20)。
买卖结算可如此完成:安全装置4在传输步骤19中给银行(通过固定网等)传送有关帐号,银行号,姓名14,价格7和产品代号8的信息,并且指示银行5从由数据14所确认的买主1帐户中支取买卖价格金额,并在同时或之后(20)给出的卖主3帐户中登录此金额。更简单的方法是代替给银行的传输19,20,在传输21中通过固定网或移动无线网等传输一个信息给移动无线运营商2的KIAS 23等,传输的信息包括支取请求22,产品信息8,价格7和卖主3,这样在下一次电信结算时一起计算买主1的价格金额7。这里在卖主帐户上的登录可例如通过银行5完成(20)。
Claims (7)
1.实现和结算一个买主(1)通过互联网(7,14)在一个出售产品(8)或提供服务的卖主(3)处进行的买卖的安全装置,其特征在于,为了进行由买主(1)经过互联网(36)提出(24)的买卖,代表买主的移动无线用户标识的移动无线用户标识数据(6)由买主通过其移动无线网(2)传送(2,7)给卖主(3)并且由卖主(3)继续传送(9)到所述安全装置(4),位于移动无线网(2)中的本次买卖的交易号(13a,13b)被传送到所述安全装置(4),并通过移动无线电传送给买方(1),在从买主继续传送交易号给卖主之后,从卖主继续传送交易号给安全装置(4),在安全装置(4)中为了检验而将从买主(1)经过卖主(3)传送来的交易号(13a)与已经从移动无线网运营商(2)传送(11)到安全装置(4)的交易号(13b)进行比较,在对交易号(13a)进行的检验通过的情况下,开始进行结算。
2.如权利要求1所述的装置,其特征在于,买主(1)的电话号(6)包含移动无线用户标识数据。
3.如权利要求1所述的装置,其特征在于,交易号(13a;13b)仅对规定的时间段有效,并且在此时间段之后检验总被视为不通过。
4.如权利要求1所述的装置,其特征在于,移动无线网运营商(2)的用户的接通检验在传送交易号到安全装置(4)和/或买主(1)之前进行,并且交易号仅在接通的情况下被传送。
5.如权利要求1所述的装置,其特征在于,在传送交易号到买主(1)和安全装置(4)之前也由移动无线网经营商(2)和/或银行检验买主(1)的偿付能力。
6.如权利要求1至5中任一项所述的装置,其特征在于,结算(19,20)如此进行:由安全装置(4)给银行传送一个指示,用于在银行中根据由安全装置(4)传送的关于买主帐户的数据(14)从买主帐户中支取,并且在银行(5)中在卖主(3)的帐户上登录。
7.实现和结算一个买主(1)通过互联网(7,14)在一个出售产品(8)或提供服务的卖主(3)处进行的买卖的系统,具有移动无线网络运营商和安全装置(4),该系统被如此设计:为了进行由买主(1)经过互联网(36)提出(24)的买卖,代表买主的移动无线用户标识的移动无线用户标识数据(6)由买主通过其移动无线网(2)传送(2,7)给卖主(3),并且由卖主(3)继续传送到所述安全装置(4),本次买卖的交易号(13a)通过移动无线电传送给买主(1),并传送到所述安全装置(4),当从买主(1)通过移动无线电将交易号(13a)继续传送给卖方(3)时,对交易号(13a)进行检验,在对交易号(13a)进行的检验通过的情况下,开始进行结算。
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE19938201A DE19938201A1 (de) | 1999-08-12 | 1999-08-12 | SMS-e-commerce |
DE19938201.8 | 1999-08-12 |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN00811559A Division CN1369087A (zh) | 1999-08-12 | 2000-08-02 | 短消息业务电子商务 |
Publications (1)
Publication Number | Publication Date |
---|---|
CN1691035A true CN1691035A (zh) | 2005-11-02 |
Family
ID=7918153
Family Applications (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN00811559A Pending CN1369087A (zh) | 1999-08-12 | 2000-08-02 | 短消息业务电子商务 |
CNA2005100628789A Pending CN1691035A (zh) | 1999-08-12 | 2000-08-02 | 短消息业务电子商务 |
Family Applications Before (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
CN00811559A Pending CN1369087A (zh) | 1999-08-12 | 2000-08-02 | 短消息业务电子商务 |
Country Status (9)
Country | Link |
---|---|
US (1) | US7437331B1 (zh) |
EP (1) | EP1203357B1 (zh) |
JP (1) | JP2003507800A (zh) |
CN (2) | CN1369087A (zh) |
AT (1) | ATE257261T1 (zh) |
AU (1) | AU771226B2 (zh) |
DE (2) | DE19938201A1 (zh) |
ES (1) | ES2208420T3 (zh) |
WO (1) | WO2001013341A1 (zh) |
Families Citing this family (65)
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US9098958B2 (en) | 1998-09-15 | 2015-08-04 | U-Paid Systems, Ltd. | Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment |
US7248855B2 (en) * | 1998-09-15 | 2007-07-24 | Upaid Systems, Ltd. | Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account |
CN1157962C (zh) | 1998-09-15 | 2004-07-14 | 因达技术控股有限公司 | 增强通信平台和使用该平台的相关通信方法 |
DE19946539B4 (de) * | 1999-09-28 | 2010-04-29 | T-Mobile Deutschland Gmbh | Verfahren zur Abrechnung von Internet-Geschäften über Mobilfunk |
NZ519862A (en) | 2000-04-07 | 2003-09-26 | Cool 123 Ltd | Marketing response recording using short message service text word comparisons |
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2000
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DE19938201A1 (de) | 2001-02-22 |
EP1203357A1 (de) | 2002-05-08 |
WO2001013341A1 (de) | 2001-02-22 |
US7437331B1 (en) | 2008-10-14 |
AU771226B2 (en) | 2004-03-18 |
JP2003507800A (ja) | 2003-02-25 |
ES2208420T3 (es) | 2004-06-16 |
AU7402500A (en) | 2001-03-13 |
DE50004937D1 (de) | 2004-02-05 |
CN1369087A (zh) | 2002-09-11 |
EP1203357B1 (de) | 2004-01-02 |
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