DE69525374T2 - Verkaufssystem für ein netzwerk - Google Patents

Verkaufssystem für ein netzwerk

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Publication number
DE69525374T2
DE69525374T2 DE69525374T DE69525374T DE69525374T2 DE 69525374 T2 DE69525374 T2 DE 69525374T2 DE 69525374 T DE69525374 T DE 69525374T DE 69525374 T DE69525374 T DE 69525374T DE 69525374 T2 DE69525374 T2 DE 69525374T2
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Prior art keywords
computer
payment
buyer
network
message
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DE69525374T
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DE69525374D1 (de
Inventor
C. Payne
C. Stewart
G. Treese
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Soverain Software (ndgesd Staates Delaware LLC
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Open Market Inc
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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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/087—Inventory or stock management, e.g. order filling, procurement or balancing against orders
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • 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
    • G06Q20/40—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
    • 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
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Security & Cryptography (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Computer And Data Communications (AREA)

Description

  • Diese Erfindung betrifft ein benutzerinteraktives Netzwerkverkaufssystem zur Implementierung eines offenen Marktplatzes für Waren und Dienstleistungen über Computernetzwerke wie etwa das Internet.
  • WO-A95/ 16971 (veröffentlicht am 22.06.1995) von David K. Gifford, mit dem Titel "Digital Active Advertising" beschreibt ein Netzwerkverkaufssystem, das mehrere Käufercomputer, mehrere Händlercomputer und einen Zahlungscomputer umfaßt. Ein Benutzer an einem Käufercomputer fordert zur Anzeige von Angeboten auf, und der Käufercomputer fordert Anzeigen von einem Händlercomputer an, der die Anzeigen an den Käufercomputer übermittelt. Der Benutzer beantragt dann den Kauf eines angebotenen Produktes, und der Käufercomputer sendet eine Verkaufsnachricht an den Händlercomputer. Der Händlercomputer erzeugt eine Zahlungsanweisung, die er an den Zahlungscomputer sendet, der den Kauf autorisiert und eine Autorisierungsnachricht an den Händlercomputer sendet. Wenn der Händlercomputer die Autorisierungsnachricht erhält, sendet er das Produkt an den Käufercomputer.
  • Die oben genannte Patentanmeldung beschreibt auch eine alternative Implementierung des Netzwerkverkaufssystems, bei dem, wenn der Benutzer den Kauf eines angebotenen Produkts beantragt, der Käufercomputer eine Zahlungsanweisung direkt an den Zahlungscomputer sendet, der an den Käufercomputer eine Autorisierungsnachricht zurücksendet, die ein fälschungssicheres Zertifikat einschließt, daß die Zahlungsanweisung gültig ist. Der Käufercomputer erzeugt dann eine Kaufnachricht, die das fälschungssichere Zertifikat enthält, und sendet sie an den Händlercomputer. Wenn der Händlercomputer den Kaufauftrag empfängt, sendet er auf der Grundlage der vorab autorisierten Zahlungsanweisung das Produkt an den Käufercomputer.
  • Das US-Patent 4 799 156 (Shavit et al) beschreibt ein Marktmanagement-System, das Geschäftstransaktionen zwischen Käufern und Verkäufern (siehe z. B. Spalte 12, Zeile 42 bis Spalte 14, Zeile 9) oder Geschäftstransaktionen zwischen einem Käufer oder Verkäufer und einem Geldinstitut verarbeitet (siehe z. B. Spalte 8, Zeile 23 bis Spalte 9, Zeile 42).
  • Unter einem Aspekt schafft die Erfindung ein netzwerkbasiertes Verkaufssystem, das wenigstens einen Käufercomputer zur Bedienung durch einen Benutzer, der ein Produkt zu kaufen wünscht, wenigstens einen Händlercomputer und wenigstens einen Zahlungscomputer umfaßt. Der Käufercomputer, der Händlercomputer und der Zahlungscomputer sind durch ein Computernetzwerk verbunden. Der Käufercomputer ist so programmiert, daß er einen Benutzerauftrag für den Kauf eines Produkts empfängt und das Versenden einer Zahlungsnachricht, die eine das Produkt identifizierende Produktkennung enthält, an den Zahlungscomputer veranlaßt. Der Zahlungscomputer ist so programmiert, daß er die Zahlungsnachricht empfängt, die Erzeugung einer Zugangsnachricht veranlaßt, die die Produktkennung und eine Zugangsnachricht-Authentifizierung auf der Grundlage eines kryptographischen Schlüssels enthält, und das Versenden der Zugangsnachricht an den Händlercomputer veranlaßt. Der Händlercomputer ist so programmiert, daß er die Zugangsnachricht empfängt, die Zugangsnachricht-Authentifizierung verifiziert, um sicherzustellen, daß die Zugangsnachricht-Authentifizierung unter Benutzung des kryptographischen Schlüssels erstellt worden ist, und das Versenden des Produkts an den Benutzer veranlaßt, der das Produkt zu kaufen wünscht.
  • Die Erfindung schafft eine einfache Architektur für das Netzwerkverkaufssystem, die es dem Händlercomputer ermöglicht, auf Kaufaufträge vom Käufercomputer zu reagieren, ohne daß der Händlercomputer direkt mit dem Zahlungscomputer kommunizieren muß, um sicherzustellen, daß der Benutzer zum Kauf des Produkts autorisiert ist, und ohne daß der Händlercomputer in einer Datenbank Informationen darüber speichern muß, welche Käufer für den Kauf welcher Produkte autorisiert sind. Vielmehr braucht der Händlercomputer, wenn er eine Zugangsnachricht, die ein zu kaufendes Produkt identifiziert, entweder direkt vom Zahlungscomputer oder über den Käufercomputer empfängt, nur die Zugangsnachricht zu überprüfen, um sicherzustellen, daß sie vom Zahlungscomputer erstellt worden ist (womit für den Händlercomputer feststeht, daß der Käufer zum Kauf des Produktes autorisiert ist), und dann kann der Händlercomputer das Versenden des Produkts an den Käufercomputer veranlassen, der zum Kauf des Produkts autorisiert worden ist.
  • Unter einem anderen Aspekt schafft die Erfindung ein netzwerkbasiertes Link- Nachrichtensystem, das wenigstens einen Kundencomputer zur Benutzung durch einen Kunden/Benutzer und wenigstens einen Servercomputer zur Bedienung durch einen Server/Benutzer umfaßt. Der Kundencomputer und der Servercomputer sind durch ein Computernetzwerk verbunden. Der Kundencomputer ist so programmiert, daß er eine anfängliche Link-Nachricht an den Servercomputer sendet. Der Servercomputer ist so programmiert, daß er die anfängliche Link-Nachricht vom Kundencomputer empfängt und auf der Grundlage von in der anfänglichen Link-Nachricht enthaltener Information eine Sitzungs-Link- Nachricht erzeugt, die einen Interaktionsstatus zwischen dem Kundencomputer und dem Servercomputer codiert. Die Sitzungs-Link-Nachricht enthält eine Sitzungs-Link-Authentifizierung, berechnet durch eine kryptographische Funktion des Sitzungs-Link-Inhalts, zur Authentifizierung der Sitzungs-Link-Nachricht. Der Servercomputer ist so programmiert, daß er das Versenden der Sitzungs- Link-Nachricht an den Kundencomputer veranlaßt. Der Kundencomputer ist so programmiert, daß der das Versenden der Sitzungs-Link-Nachricht an einen Computer im Netzwerk veranlaßt, der dazu programmiert ist, die Sitzungs-Link- Nachricht zu authentifizieren, indem er die Sitzungs-Link-Authentifizierung überprüft, und der so programmiert ist, daß er auf der Grundlage des Interaktionszustands zwischen dem Kundencomputer und dem Servercomputer auf die Sitzungs-Link-Nachricht reagiert.
  • Die Erfindung wird nun beispielhaft anhand der beigefügten Zeichnungen beschrieben, in denen zeigen:
  • Fig. 1 ein Blockdiagramm eines Netzwerkverkaufssystems gemäß einer Ausführungsform der vorliegenden Erfindung;
  • Fig. 2(2-A bis 2-I) ein Flußdiagramm zur Illustration der Vorgänge bei einer Kauftransaktion in dem Netzwerkverkaufssystem nach Fig. 1;
  • Fig. 3(3-A bis 3-B) ein Flußdiagramm zur Illustration des Gebrauchs eines Warenkorbes für den Kauf von Produkten in Verbindung mit dem Netzwerkverkaufssystem nach Fig. 1;
  • Fig. 4(4-A bis 4-C) ein Flußdiagramm zur Illustration der Wirkungsweise einer intelligenten Übersicht in dem Netzwerkverkaufssystem nach Fig. 1;
  • Fig. 5 einen Bildschirm-Schnappschuß eines Angebotsdokuments, das der Händlercomputer an den Käufercomputer in Fig. 2 sendet;
  • Fig. 6 einen Bildschirm-Schnappschuß eines Bestätigungsdokuments, das der Zahlungscomputer an den Käufercomputer in Fig. 2 sendet;
  • Fig. 7 einen Bildschirm-Schnappschuß eines neuen Konto-Dokuments, das der Zahlungscomputer an den Käufercomputer in Fig. 2 sendet;
  • Fig. 8 einen Bildschirm-Schnappschluß einer Eingabeaufforderung für einen Kontonamen, die der Käufercomputer in Fig. 2 erzeugt;
  • Fig. 9 einen Bildschirm-Schnappschuß eines Dokuments, das der Zahlungscomputer an den Käufercomputer in Fig. 2 sendet und das eine Option bietet, entweder neu zu kaufen oder einen vorher gekauften Zugang zu benutzen;
  • Fig. 10 einen Bildschirm-Schnappschuß eines Erfüllungsdokuments, das der Zahlungscomputer an den Käufercomputer in Fig. 2 sendet;
  • Fig. 11 einen Bildschirmschnappschuß eines intelligenten Ankündigungsdokuments, das der Zahlungscomputer an den Käufercomputer in Fig. 4 sendet;
  • Fig. 12 und 13 Bildschirm-Schnappschüsse eines Dokuments mit Transaktionseinzelheiten, das der Zahlungscomputer an den Käufercomputer in Fig. 4 sendet; und
  • Fig. 14 einen Bildschirm-Schnappschuß eines Kundendienstformulars, das der Zahlungscomputer an den Käufercomputer in Fig. 4 sendet.
  • Gemäß Fig. 1 umfaßt ein Netzwerkverkaufssystem gemäß einer bevorzugten Ausführungsform der vorliegenden Erfindung einen Käufercomputer 12, der von einem Benutzer bedient wird, der ein Produkt zu kaufen wünscht, einen Händlercomputer 14, der von einem Händler bedient werden kann, der Produkte an den Käufer verkaufen will, oder von einem Manager des Netzwerkverkaufssystems, einen Zahlungscomputer 16, der typischerweise von einem Manager des Netzwerkverkaufssystems bedient wird, und einen Erzeugungscomputer 20, der typischerweise vom Händler bedient wird.
  • Die Käufer-, Händler-, Zahlungs- und Erzeugungscomputer sind alle durch ein Computernetzwerk 10, etwa durch das Internet, miteinander verbunden.
  • Der Erzeugungscomputer 20 ist so programmiert, daß er ein "Warenlager" von Produkten für den Händler aufbaut.
  • Die vom Händlercomputer 14 angebotenen Produkte können beispielsweise Zeitschriftenartikel oder Nachrichtenbrief-Artikel sein, die für Käufer zum Kauf verfügbar sind. Der Erzeugungscomputer 20 erzeugt eine digitale Angebotsdatenbank 18, die Angebotsdokumente (die beispielsweise die Form von Zusammenfassungen von Zeitschriften- oder Nachrichtenbrief-Artikeln zusammen mit zugehörigen Preisen haben können) und Produkt-Erfüllungsobjekte speichert (bei denen es sich um die Produkte selbst handeln kann, sofern diese über das Netzwerk übermittelbar sind, oder um Güterkennungen, wenn es sich bei den Produkten um "harte" Güter handelt, d. h. dauerhafte Produkte, im Gegensatz zu Informationsprodukten). Der Erzeugungscomputer 20 übermittelt Inhalte der Angebotsdokument-Datenbank 18 an den Händlercomputer 14, um den Händlercomputer in die Lage zu versetzen, das Versenden von Angeboten und Produkten an die Käufer zu veranlassen. Der Händlercomputer 14 hält die Angebotsdokumente lokal in einer Angebotsdokument-Datenbank 15. In einer alternativen Ausführungsform hat der Erzeugungscomputer keine lokale digitale Angebotsdatenbank, sondern stattdessen aktualisiert er eine entfernte Angebotsdatenbank auf einem Händlercomputer. Diese Aktualisierungen können mit Hilfe von HTML-Formularen oder anderen Ferndatenbanktechnologien durchgeführt werden, wie der Fachmann weiß.
  • Der Zahlungscomputer 16 hat Zugriff auf eine Abschlußdatenbank 22, in welcher der Zahlungscomputer 16 Einzelheiten von Kauftransaktionen aufzeichnen kann. Die Produkte können in verschiedene "Domänen" von Produkten gegliedert sein, und der Zahlungscomputer 16 kann auf die Abschlußdatenbank 22 zugreifen, um Datensätze über Käufe von Produkten, die in die verschiedenen Domänen fallen, aufzuzeichnen oder abzurufen. Der Zahlungscomputer 16 hat auch Zugriff auf eine Warenkorb-Datenbank 21, in der ein "Warenkorb" von Produkten, die ein Benutzer kaufen will, gespeichert werden kann, während der Benutzer die Produkte aussucht, bevor er den Inhalt des Warenkorbes tatsächlich kauft.
  • Gemäß Fig. 2 beginnt eine Kauftransaktion, wenn ein Benutzer am Käufercomputer 12 Angebote abruft (Schritt 24) und der Käufercomputer 12 demgemäß eine Angebotsdokument-URL (Universal Resource Locator) an den Händlercomputer 14 sendet (Schritt 26). Der Händlercomputer ruft ein Angebotsdokument aus der Angebotsdokument-Datenbank ab (Schritt 28) und sendet es an den Käufercomputer (Schritt 30). Ein Beispiel eines Angebotsdokuments ist in Fig. 5 gezeigt.
  • Der Benutzer blättert durch das Angebotsdokument und ordert ggf. ein Produkt (Schritt 32). Dies führt dazu, daß der Käufercomputer eine Zahlungs-URL A an den Zahlungscomputer sendet (Schritt 34). Die Zahlungs-URL A enthält eine Produktkennung, die das Produkt repräsentiert, das der Benutzer zu kaufen wünscht, eine Domänenkennung, die eine Produktdomäne repräsentiert, zu der das gewünschte Produkt gehört, einen Zahlungsbetrag, der dem Preis des Produktes entspricht, eine Händlercomputer-Kennung, die den Händlercomputer 14 repräsentiert, eine Händlerkonto-Kennung, die das spezielle Händlerkonto repräsentiert, auf dem der Zahlungsbetrag gutgeschrieben werden soll, eine Laufzeit, die die Zeitspanne repräsentiert, für die der Zugang zu dem Produkt dem Benutzer garantiert werden muß, nachdem die Kauftransaktion abgeschlossen ist, eine Verfallszeit, die eine Grenze repräsentiert, jenseits der diese spezielle Zahlungs-URL nicht mehr benutzt werden kann, eine Käufer-Netzwerkadresse und eine Zahlungs-URL-Authentifizierung, d. h., eine digitale Signatur auf der Grundlage eines kryptographischen Schlüssels. Die Zahlungs-URL- Authentifizierung ist ein verschlüsselter Querschnitt (hash) anderer Information in der Zahlungs-URL, definiert durch einen gemeinsamen Schlüssel des Händlers und des Betreibers des Zahlungscomputers.
  • In einer alternativen Ausführungsform besteht der Schritt 34 darin, daß der Käufercomputer eine Kauf-Produktnachricht an den Händlercomputer sendet und der Händlercomputer als Reaktion darauf dem Käufercomputer die Zahlungs-URL A zur Verfügung stellt. In dieser alternativen Ausführungsform enthält die Zahlungs-URL A den gleichen Inhalt wie oben. Der Käufercomputer sendet dann die Zahlungs-URL A, die er vom Händlercomputer empfangen hat, an den Zahlungscomputer.
  • Wenn der Zahlungscomputer die Zahlungs-URL empfängt, verifiziert er, ob die Zahlungs-URL-Authentifizierung unter Verwendung des kryptographischen Schlüssels aus dem Inhalt der Zahlungs-URL gebildet worden ist (Schritt 36). Wenn nicht, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das anzeigt, daß der Zugang zu dem Netzwerkverkaufssystem abgelehnt wird (Schritt 38). Andernfalls entscheidet der Zahlungscomputer, ob die Verfallszeit abgelaufen ist (Schritt 40). Wenn dies der Fall ist, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das angibt, daß die Verfallszeit abgelaufen ist (Schritt 41). Andernfalls überprüft der Zahlungscomputer die Netzwerkadresse des Käufercomputers, um zu sehen, ob sie zu der in der Zahlungs- URL angegebenen Adresse paßt (Schritt 42). Wenn sie nicht paßt, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das anzeigt, daß der Zugang zu dem Netzwerkverkaufssystem abgelehnt wird (Schritt 43). Andernfalls sendet der Zahlungscomputer an den Käufercomputer ein Zahlungsbestätigungsdokument, das ein "open"-Link (öffnen) und ein "continue"-Link (weiter) enthält (Schritt 44).
  • Ein Beispiel eines Bestätigungsdokuments ist in Fig. 6 gezeigt. Das Bestätigungsdokument fordert den Benutzer auf, auf einen "continue"-Knopf (weiter) zu klicken, wenn der Benutzer bereits ein Konto bei dem Zahlungscomputer hat, oder auf einen "open"-Knopf (öffnen) zu klicken, wenn der Benutzer noch kein Konto hat und eines zu eröffnen wünscht.
  • Wenn der Benutzer auf den "open"-Knopf klickt (Schritt 46), sendet der Käufercomputer an den Zahlungscomputer eine Zahlungs-URL C (Schritt 48), die der Zahlungs-URL A ähnelt, jedoch auch angibt, daß der Benutzer noch kein Konto hat. Der Zahlungscomputer erzeugt ein neues Kontodokument (Schritt 50) und sendet es an den Käufercomputer (Schritt 52). Bein Beispiel für ein neues Kontodokument ist in Fig. 7 gezeigt. Wenn der Benutzer das neue Kontodokument empfängt, gibt er den neuen Kontonamen, ein Konto-Paßwort, eine Kreditkartennummer, das Verfallsdatum der Kreditkarte und Sicherheitsinformation wie etwa den Mädchennamen der Mutter des Benutzers ein (Schritt 54) und drückt einen "submit"-Knopf (einreichen) (in Fig. 7 nicht gezeigt). Der Käufercomputer sendet die neue Kontoinformation an den Zahlungscomputer (Schritt 56), der das neue Konto in der Abschlußdatenbank einträgt (Schritt 58).
  • Wenn der Benutzer auf den "continue"-Knopf klickt (Schritt 60) sendet der Käufercomputer an den Zahlungscomputer eine Zahlungs-URL B (Schritt 62), die der Zahlungs-URL A ähnelt, jedoch auch angibt, daß der Benutzer bereits ein Konto hat. Der Zahlungscomputer weist dann den Käufercomputer an, den Kontonahmen und das Paßwort anzugeben (Schritte 64 und 66), und der Käufercomputer fordert den Benutzer zur Eingabe dieser Information auf, indem er eine Eingabeaufforderung für den Kontonamen (ein Beispiel ist in Fig. 8 gezeigt) und eine ähnliche Eingabeaufforderung für das Paßwort erzeugt. Der Benutzer gibt die Information ein (Schritt 68), und der Käufercomputer sendet den Kontonamen und das Paßwort an den Zahlungscomputer (Schritt 70).
  • Der Zahlungscomputer verifiziert, ob der Benutzername und das Paßwort korrekt sind (Schritt 72). Wenn sie nicht korrekt sind, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das angibt, daß der Zugriff auf das Netzwerkverkaufssystem abgelehnt wird (Schritt 74). Andernfalls entscheidet der Zahlungscomputer, ob zusätzliche Sicherheit verlangt ist, zum Beispiel abhängig davon, ob das Zahlungskonto einen Schwellenwert überschreitet (Schritt 73). Wenn zusätzliche Sicherheit verlangt ist, erzeugt der Zahlungscomputer ein Prüfdokumentformular und sendet es an den Käufercomputer (Schritt 75). Der Benutzer gibt die Sicherheitsinformation ein (Schritt 77), der Käufercomputer sendet die Sicherheitsinformation an den Zahlungscomputer (Schritt 79), und der Zahlungscomputer entscheidet, ob die Sicherheitsinformation korrekt ist (Schritt 81). Wenn sie nicht korrekt ist, sendet der Zahlungscomputer an den Käufercomputer ein Dokument das angibt, daß der Zugriff auf das Netzwerkverkaufssystem abgelehnt wird (Schritt 83).
  • Wenn die Sicherheitsinformation korrekt ist oder wenn keine zusätzliche Sicherheit verlangt war, überprüft der Zahlungscomputer die Abschlußdatenbank, um zu entscheiden, ob der Benutzer noch einen Zugang zu der in der Zahlungs-URL enthaltenen Domänenkennung hat, der noch nicht abgelaufen ist (Schritt 82). Wenn dies der Fall ist, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das die Option bietet, entweder neu zu kaufen oder den früher gekauften Zugang zu benutzen (Schritt 84). Ein Beispiel eines solchen Dokuments ist in Fig. 9 gezeigt. Der Benutzer kann auf das jüngste Produktanfragedokument reagieren, indem er sich dafür entscheidet, auf das früher gekaufte Dokument zuzugreifen (Schritt 85) oder fortzufahren und das aktuell ausgewählte Produkt zu kaufen (Schritt 86). Wenn sich der Benutzer dazu entschließt, auf das früher gekaufte Dokument zuzugreifen, springt der Käufercomputer zu Schritt 92 (siehe unten). Wenn sich der Benutzer entschließt, das aktuell ausgewählte Produkt zu kaufen, berechnet der Zahlungscomputer einen aktuellen Zahlungsbetrag, der von dem in der Zahlungs-URL enthaltenen Zahlungsbetrag abweichen kann (Schritt 87). Zum Beispiel kann der Kauf eines Produkts in einer bestimmten Domäne den Benutzer für eine bestimmte Zeit dazu berechtigen, kostenlos oder zu einem reduzierten Preis auf andere Produkte in dieser Domäne zuzugreifen.
  • Der Zahlungscomputer verifiziert dann, ob das Benutzerkonto ein ausreichendes Guthaben oder einen ausreichenden Kredit aufweist (Schritt 76). Wenn nicht, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das angibt, daß das Guthaben des Benutzerkontos nicht ausreicht (Schritt 78). Andernfalls erzeugt der Zahlungscomputer eine Zugangs-URL (Schritt 80), die eine Händlercomputerkennung, eine Domänenkennung, eine Produktkennung, eine Angabe für das Ende der Laufzeit, für die der Zugang zu dem Produkt garantiert ist, die Netzwerkadresse des Käufers und eine Zugangs-URL-Authentifizierung enthält, d. h. eine digitale Signatur auf der Grundlage eines kryptographischen Schlüssels.
  • Die Zugangs-URL-Authentifizierung ist ein verschlüsselter Querschnitt (hash) anderer Information in der Zugangs-URL, definiert durch einen gemeinsamen Schlüssel des Händlers und des Betreibers des Zahlungscomputers. Der Zahlungscomputer speichert dann die Prouduktkennung, die Domäne, das Benutzerkonto, das Händlerkonto, das Ende der Laufzeit und den tatsächlichen Zahlungsbetrag in der Abschlußdatenbank (Schritt 88).
  • Der Zahlungscomputer sendet dann eine Umadressierung auf die Zugangs-URL an den Käufercomputer (Schritt 90), der die Zugangs-URL an den Händlercomputer sendet (Schritt 92). Der Händlercomputer verifiziert, ob die Zugangs-URL- Authentifizierung unter Verwendung des kryptographischen Schlüssels aus dem Inhalt der Zugangs-URL gebildet worden ist (Schritt 94). Wenn nicht, sendet der Händlercomputer an den Käufercomputer ein Dokument, das angibt, daß der Zugriff auf das Produkt abgelehnt wird (Schritt 96). Andernfalls verifiziert der Händlercomputer, ob die Laufzeit für den Zugriff auf das Produkt abgelaufen ist (Schritt 98). Dies geschieht, weil der Käufercomputer wiederholt Zugriff auf eine gekauftes Produkt verlangen kann. Wenn die Laufzeit abgelaufen ist, sendet der Händlercomputer an den Käufercomputer ein Dokument, das angibt, daß die Zeit abgelaufen ist (Schritt 100). Andernfalls verifiziert der Händlercomputer, daß die Netzwerkadresse des Käufercomputers mit der Netzwerkadresse des Käufers in der Zugangs-URL übereinstimmt (Schritt 101), und wenn dies der Fall ist, sendet er an den Käufercomputer ein Erfüllungsdokument (Schritt 102), das durch den Käufercomputer angezeigt wird (Schritt 104). Ein Beispiel für ein Erfüllungsdokument ist in Fig. 10 gezeigt. Andernfalls sendet der Händlercomputer an den Käufercomputer ein Dokument, das angibt, daß der Zugang nicht gewährt wird (Schritt 103).
  • Wenn, jetzt mit Bezug auf Fig. 3, der Händlercomputer das Angebotsdokument an den Käufercomputer sendet, kann der Benutzer bestimmen, daß ein Produkt zu dem Warenkorb in der Warenkorb-Datenbank hinzugefügt wird, statt zu bestimmen, daß das Produkt sofort gekauft wird. Der Käufercomputer sendet an den Zahlungscomputer eine Warenkorb-URL (Schritt 108), die eine Produktkennung, eine Domänenkennung, einen Zahlungsbetrag, eine Händlercomputerkennung, eine Händlerkontokennung, eine Laufzeit, eine Verfallszeit und eine Warenkorb-URL-Authentifizierung enthält, d. h. eine digitale Signatur auf der Grundlage eines kryptographischen Schlüssels. Die Warenkorb-URL-Authentifizierung ist ein verschlüsselter Querschnitt (hash) anderer Information in der Warenkorb-URL, definiert durch einen gemeinsamen Schlüssel des Händlers und des Betreibers des Zahlungscomputers. Der Zahlungscomputer verifiziert, ob die Warenkorb-URL-Authentifizierung unter Verwendung eines kryptographischen Schlüssels aus dem Inhalt der Warenkorb-URL gebildet worden ist (Schritt 110). Wenn nicht, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das anzeigt, daß der Zugriff auf das Netzwerkverkaufssystem abgelehnt wird (Schritt 112). Andernfalls erfolgt eine Benutzer-Authentifizierung (Schritt 113) auf eine zu den Schritten (40-81) analoge Weise, bevor irgendeine Modifikation am Warenkorb des Benutzers zugelassen wird. Wenn der Benutzer einmal authentifiziert ist, erzeugt oder aktualisiert der Zahlungscomputer eine Zahlungs-URL für den Warenkorb (Schritt 114).
  • Der Benutzer fordert dann entweder weitere Angebote an (Schritt 24 in Fig. 2) und fügt ggf. ein weiteres Produkt dem Warenkorb hinzu, oder er ruft die Anzeige des Warenkorbes auf (Schritt 116) oder ordert den Kauf des gesamten Inhalts des Warenkorbes (Schritt 124). Wenn der Benutzer die Anzeige des Warenkorbes aufruft (Schritt 116) sendet der Käufercomputer einen Warenkorb-Aufrufbefehl an den Zahlungscomputer (Schritt 118) und der Zahlungscomputer und der Käufercomputer (Schritt 119) führen Schritte analog zu den Schritten 64-81 aus. Der Zahlungscomputer meldet den Inhalt des Warenkorbes an den Käufercomputer zurück (Schritt 120), der den Inhalt des Warenkorbes anzeigt (Schritt 122). Wenn der Benutzer befiehlt, daß der gesamte Inhalt des Warenkorbes gekauft werden soll (Schritt 124) veranlaßt der Käufercomputer das Aktivieren der Zahlungs-URL für den Warenkorb (Schritt 126), und die Zahlungs-URL wird analog zu den URLs für die einzelnen Produkte bearbeitet (beginnend mit Schritt 36 in Fig. 2).
  • Gemäß Fig. 4 kann ein Benutzer die Anzeige einer "intelligenten Übersicht" (smart statement) aufrufen, die Kauftransaktionen für einen gegebenen Monat auflistet (Schritt 128). Wenn der Käufercomputer einen solchen Aufruf erhält, sendet er eine Übersichts-URL an den Zahlungscomputer (Schritt 130). Wenn der Zahlungscomputer die Übersichts-URL empfängt, verifiziert er, ob die Übersichts-URL-Authentifizierung unter Verwendung eines kryptographischen Schlüssels aus dem Inhalt der Übersichts-URL gebildet worden ist (Schritt 132). Wenn nicht, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das anzeigt, daß der Zugang verweigert wird (Schritt 134). Andernfalls überprüft der Zahlungscomputer, ob die Netzwerkadresse des Käufers in der Übersichts-URL mit der aktuellen Netzwerkadresse des Käufercomputers übereinstimmt (Schritt 136). Wenn nicht, sendet der Zahlungscomputer an den Käufercomputer ein Dokument, das anzeigt, daß der Zugang verweigert wird (Schritt 138). Andernfalls (Schritt 140) führen der Zahlungscomputer und der Käufercomputer eine Anzahl von Schritten analog zu den Schritten 64-81 in Fig. 2 aus (der Zahlungscomputer fragt nach dem Kontonamen und dem Paßwort, der Benutzer liefert die geforderte Information, und der Zahlungscomputer verifiziert diese Information).
  • In einer alternativen Ausführungsform werden die Schritte 132-138 ausgelassen.
  • Nachdem die Verifikation der Kontoinformation abgeschlossen ist, ruft der Zahlungscomputer die gewünschten Abschlußdaten aus der Abschlußdatenbank ab, erzeugt ein Übersichtsdokument für den Käufer und sendet das Übersichtsdokument an den Käufercomputer (Schritt 142). Ein Beispiel eines intelligenten Übersichtsdokuments ist in Fig. 11 gezeigt. Jeder Datensatz für eine Kauftransaktion in dem Übersichtsdokument enthält die Daten der Transaktion, eine Kennung des Produkts und den Zahlungsbetrag für das Produkt. Das Übersichtsdokument enthält auch eine Transaktionseinzelheiten-URL für jede Kauftransaktion (diese URLs oder Hypertext-Links werden nachstehend erörtert und sind in Fig. 11 nicht gezeigt). Das Übersichtsdokument identifiziert auch vorherige Übersichten, die der Benutzer möglicherweise anzeigen lassen will.
  • Der Käufercomputer zeigt das abgerufene Dokument an (Schritt 144), und der Benutzer kann Transaktionseinzelheiten für eine spezielle Transaktion aufrufen, die in der intelligenten Übersicht aufgelistet sind (Schritt 146). In diesem Fall sendet der Käufercomputer eine Transaktionseinzelheiten-URL (oder "Zahlungseinzelheiten-URL") an den Zahlungscomputer (Schritt 148). Die Transaktionseinzelheiten-URL enthält eine Transaktionskennung, eine Käufer-Netzwerkadresse und eine Transaktionseinzelheiten-URL-Authentifizierung.
  • Wenn der Zahlungscomputer die Transaktionseinzelheiten-URL empfängt, führt er (Schritt 150) eine Anzahl von Schritten analog zu den Schritten 132-140 aus (Verifikation der URL-Authentifizierung, Käufer-Netzwerkadresse und Kontoinformation). Der Zahlungscomputer ruft dann aus der Abschlußdatenbank Daten zu der in der Transaktionseinzelheiten-URL spezifizierten Zahlungstransaktion ab, erzeugt ein Transaktionseinzelheiten-Dokument und sendet es an den Käufercomputer (Schritt 152). Ein Beispiel eines Transaktionseinzelheiten-Dokuments ist in Fig. 12 und 13 gezeigt. Das Dokument zeigt eine Anzahl von Informationssätzen über die Transaktion an, einschließlich des Datums der Transaktion, des Endes der Laufzeit ("expiration"(Ablauf)), einer Beschreibung des Produkts, des Zahlungsbetrages, der zu dem Produkt gehörenden Domäne, einer Kennung des Händlers und der Händleradresse.
  • Sowohl das Übersichtsdokument als auch das Transaktionseinzelheiten-Dokument enthalten Kundendienst-URLs (Hypertext-Links), die es dem Benutzer ermöglichen, Kundendienstleistungen anzufordern (d. h. Kommentare und Vorschläge an den Zahlungscomputer zu senden). Wenn der Benutzer den Kundendienst anfordert (Schritt 154), sendet der Käufercomputer die Kundendienst- URL an den Zahlungscomputer (Schritt 156), der ein Kundendienstformular erzeugt und es an den Käufercomputer sendet (Schritt 158). Ein Beispiel eines Kundendienstformulars ist in Fig. 14 gezeigt. Der Benutzer gibt Kommentare in das Kundendienstformular ein (Schritt 160), und der Käufercomputer sendet die Kommentare des Benutzers an den Zahlungscomputer (Schritt 162). Der Zahlungscomputer leitet dann den Benutzerkommentar weiter und sendet ein Dankeschön-Dokument an den Käufercomputer (Schritt 164).
  • Ein Benutzer kann die Anzeige eines Produkts anfordern, das in der intelligenten Übersicht enthalten ist. Wenn der Benutzer die Anzeige des Produkts anfordert (Schritt 166) sendet der Käufercomputer die in dem Übersichtsdokument enthaltene Zugangs-URL an den Händlercomputer (Schritt 168) und der Käufercomputer und der Händlercomputer führen eine Anzahl von Schritten analog zu den Schritten 94-104 in Fig. 2 aus (Authentifizierung der Zugangs-URL, Verifizierung, ob die Laufzeit abgelaufen ist, Verifizierung der Netzwerkadresse des Käufers und Übertragung des Erfüllungsdokuments an den Käufercomputer).
  • Wann immer in dieser Anmeldung gesagt wird, daß ein Computer eine URL an einen anderen Computer sendet, ist dies so zu verstehen, daß in bevorzugten Ausführungsformen die URL in einer Standard-HTTP Anforderungsnachricht gesendet wird, es sei denn, daß eine URL-Nachricht in der vorliegenden Anmeldung als eine Umadressierung spezifiziert wird. Die Anforderungsnachricht schließt Komponenten der URL ein, wie durch die Definition des Standard- HTTP-Protokolls beschrieben wird. Diese URL-Komponenten in der Anforderungsnachricht ermöglichen es dem Server, eine angemessene Antwort auf die URL zu geben. Der Ausdruck "URL" wie er in dieser Anmeldung benutzt wird, ist ein Beispiel für ein "Link", d. h. einen Zeiger auf ein anderes Dokument oder Formular (einschließlich Multimediadokumenten, Hypertext-Dokumenten mit weiteren Links oder Audio/Video-Dokumenten).
  • Wenn in der vorliegenden Anmeldung gesagt wird, daß ein Computer ein Dokument an einen anderen Computer sendet, ist dies so zu verstehen, daß in bevorzugten Ausführungsformen das Dokument eine HTTP-Anwort-Folgenachricht ist, mit dem Dokument im Hauptteil der Nachricht. Wenn in der vorliegenden Anmeldung gesagt wird, daß ein Server eine Anforderungsnachricht für einen Kontonamen und ein Paßwort an den Klienten sendet, ist dies so zu verstehen, daß in bevorzugten Ausführungsformen die Anforderungsnachricht für den Kontonamen und das Paßwort eine unauthorisierte HTTP-Antwort ist. Ein Klientencomputer sendet Information über den Kontonamen und das Paßwort an einen Server als Teil einer Anforderungsnachricht mit einem Authorisierungsfeld.
  • Die der speziellen bevorzugten Ausführungsform zugrundeliegende Software-Architektur basiert auf den Hypertext-Konventionen des World Wide Web. Zum Beispiel wird das Dokumentformat Hypertext Markup Language (HTML) dazu benutzt, digitale Angebote zu repräsentieren. Die Unterstützung für das Ausfüllen von HTML-Formularen wird in Mosaik 2.0 benutzt. Zwischen Käufer- und Händlercomputer wird das Hypertext-Transfer-Protokoll (HTTP) benutzt. Dokumente werden im Computernetzwerk mit Uniform Resource Locators (URLs) benannt. URLs sind mit Hilfe von digitalen Signaturen authentifiziert.
  • Es ist ein neues und nützliches netzwerkbasiertes Verkaufssystem beschrieben worden. Es versteht sich, daß der Fachmann zahlreiche Abwandlungen und Abweichungen von den hier beschriebenen speziellen Ausführungsformen vornehmen kann, ohne daß der Rahmen der beanspruchten Erfindung verlassen wird.

Claims (15)

1. Netzwerkbasiertes Verkaufssystem mit wenigstens einem Käufercomputer (12), zu bedienen durch einen Benutzer, der ein Produkt zu kaufen wünscht,
wenigstens einem Händlercomputer (14) und
wenigstens einem Zahlungscomputer (16),
wobei der Käufercomputer, der Händlercomputer und der Zahlungscomputer durch ein Computernetzwerk (10) verbunden sind,
der Käufercomputer programmiert ist, eine Benutzeranforderung für den Kauf eines Produktes zu empfangen und das Versenden einer Zahlungsnachricht, die eine Produktkennung zur Identifizierung des Produkts enthält, an den Zahlungscomputer zu veranlassen,
der Zahlungscomputer programmiert ist, die Zahlungsnachricht zu empfangen und die Erzeugung einer Zugangsnachricht, die die Produktkennung und eine Zugriffsnachricht-Authentifizierung auf der Grundlage eines kryptographischen Schlüssels enthält, und das Versenden der Zugangsnachricht an den Händlercomputer zu veranlassen, und
der Händlercomputer programmiert ist, die Zugangsnachricht zu empfangen, die Zugangsnachricht-Authentifizierung zu verifizieren, um sicherzustellen, daß die Zugangsnachricht-Authentifizierung mit Hilfe des kryptographischen Schlüssels erzeugt wurde, und das Versenden des Produkts an den Käufer zu veranlassen, der das Produkt zu kaufen wünscht.
2. Netzwerkbasiertes Verkaufssystem nach Anspruch 1, bei dem die Zugangsnachricht eine Käufer-Netzwerkadresse enthält.
3. Netzwerkbasiertes Verkaufssystem nach Anspruch 2, bei dem der Händlercomputer (14) programmiert ist, zu prüfen, ob die Käufer-Netzwerkadresse in der Zugangsnachricht mit der aktuellen Netzwerkadresse des Käufercomputers (12) übereinstimmt.
4. Netzwerkbasiertes Verkaufssystem nach Anspruch 1, bei dem die Zahlungsnachricht eine Käufer-Netzwerkadresse enthält.
5. Netzwerkbasiertes Verkaufssystem nach Anspruch 4, bei dem der Käufercomputer (16) programmiert ist, zu prüfen, ob die Käufer-Netzwerkadresse in der Zahlungsnachricht mit der aktuellen Netzwerkadresse des Käufercomputers (12) übereinstimmt.
6. Netzwerkbasiertes Verkaufssystem nach Anspruch 1, bei dem die Zahlungsnachricht eine Zahlungsnachricht-Authentifizierung auf der Grundlage eines kryptographischen Schlüssels enthält und die Zugangsnachricht-Authentifizierung eine kryptographische Funktion des Inhalts der Zugangsnachricht auf der Grundlage des kryptographischen Schlüssels enthält.
7. Netzwerkbasiertes Verkaufssystem nach Anspruch 6, bei dem der Zahlungscomputer (16) programmiert ist, die Zahlungsnachricht-Authentifizierung zu verifizieren, um sicherzustellen, daß die Zahlungsnachricht-Authentifizierung mit Hilfe des kryptographischen Schlüssels erzeugt wurde.
8. Netzwerkbasiertes Verkaufssystem nach Anspruch 7, bei dem die Zahlungsnachricht-Authentifizierung eine kryptographische Funktion des Inhalts der Zahlungsnachricht auf der Grundlage des kryptographischen Schlüssels enthält.
9. Netzwerkbasiertes Verkaufssystem nach Anspruch 1, bei dem die Zahlungsnachricht eine Händlercomputerkennung enthält, die den Händlercomputer (14) identifiziert.
10. Netzwerkbasiertes Verkaufssystem nach Anspruch 9, bei dem die Zugangsnachricht die Händlercomputerkennung enthält.
11. Netzwerkbasiertes Verkaufssystem nach Anspruch 1, bei dem die Zahlungsnachricht eine Laufzeit enthält, die eine Zeitdauer spezifiziert, für welche Zugang zu dem Produkt zu garantieren ist.
12. Netzwerkbasiertes Verkaufssystem nach Anspruch 1, bei dem:
der Zahlungscomputer (16) programmiert ist, das Versenden der Zugangsnachricht an den Käufercomputer (12) zu veranlassen, und
der Käufercomputer programmiert ist, das Versenden der vom Zahlungscomputer empfangen Zugangsnachricht an den Händlercomputer (14) zu veranlassen.
13. Netzwerkbasiertes Link-Nachrichtensystem mit:
wenigstens einem Klientencomputer (12) zur Bedienung durch einen Klienten/Benutzer und
wenigstens einen Servercomputer (16) zur Bedienung durch einen Server/Benutzer,
wobei der Klientencomputer und der Servercomputer durch ein Computernetzwerk (10) verbunden sind,
der Klientencomputer programmiert ist, eine anfängliche Link-Nachricht an den Servereomputer zu senden,
der Servercomputer programmiert ist, die anfängliche Link-Nachricht vom Klientencomputer zu empfangen, auf der Grundlage von Information, die in der anfänglichen Link-Nachricht enthalten ist, eine Sitzungs-Link-Nachricht zu erzeugen, die einen Interaktionszustand zwischen dem Klientencomputer und dem Servercomputer codiert, wobei die Sitzungs-Link-Nachlicht eine Sitzungs-Link- Authentifizierung enthält, die mit Hilfe einer kryptographischen Funktion des Inhalts des Sitzungs-Links berechnet ist, zum Authentifizieren der Sitzungs- Link-Nachricht, und das Versenden der Sitzungs-Link-Nachricht an den Klientencomputer zu veranlassen,
der Klientencomputer programmiert ist, das Versenden der Sitzungs-Link- Nachricht an einen Computer (14) im Netzwerk zu veranlassen, der programmiert ist, die Sitzungs-Link-Nachricht durch Überprüfung der Sitzungs-Link-Authentifizierung zu authentifizieren, und der programmiert ist, abhängig vom Interaktionszustand zwischen dem Klientencomputer und dem Servercomputer auf die Sitzungs-Link-Nachricht zu reagieren.
14. Netzwerkbasiertes Link-Nachrichtensystem nach Anspruch 13, bei dem der Klientencomputer (12) einen Käufercomputer aufweist, zu bedienen durch einen Käufer, der ein Produkt zu kaufen wünscht,
der Servercomputer (16) einen Zahlungscomputer aufweist, zu Bedienen durch einen Manager des netzwerkbasierten Link-Nachrichtensystems; und
das netzwerkbasierte Link-Nachrichtensystem weiterhin einen Händlercomputer (14) aufweist, zur Bedienung durch einen Händler, der das Produkt an den Käufer verkaufen will.
15. Netzwerkbasiertes Link-Nachrichtensystem nach Anspruch 13, bei dem:
die Sitzungs-Link-Authentifizierung eine kryptographische Funktion des Inhalts der Sitzungs-Link-Nachricht auf der Grundlage eines kryptographischen Schlüssels enthält und
der Computer, an den der Klientencomputer programmiert ist, das Versenden der Sitzungs-Link-Nachricht zu veranlassen, programmiert ist, zu verifizieren, daß die Sitzungs-Link-Authentifizierung mit Hilfe des kryptographischen Schlüssels erzeugt worden ist.
DE69525374T 1994-10-24 1995-10-24 Verkaufssystem für ein netzwerk Expired - Lifetime DE69525374T2 (de)

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US5715314A (en) 1998-02-03
US6449599B1 (en) 2002-09-10
EP0803105A1 (de) 1997-10-29
EP1128303A2 (de) 2001-08-29
JP2007042127A (ja) 2007-02-15
EP1128303A3 (de) 2001-11-28
EP1128302A3 (de) 2003-10-08
US5909492A (en) 1999-06-01
EP0803105B1 (de) 2002-02-06
JP2006216073A (ja) 2006-08-17
EP1128302A2 (de) 2001-08-29
WO1996013013A1 (en) 1996-05-02
JP4485548B2 (ja) 2010-06-23
EP1128301A2 (de) 2001-08-29
JP2008016041A (ja) 2008-01-24
EP1128301A3 (de) 2001-10-10
JPH10509543A (ja) 1998-09-14
DE69525374D1 (de) 2002-03-21
EP0803105A4 (de) 1998-04-29

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