DK1277185T3 - Procedure for mitigating the risks of e-commerce business - Google Patents

Procedure for mitigating the risks of e-commerce business

Info

Publication number
DK1277185T3
DK1277185T3 DK01927683T DK01927683T DK1277185T3 DK 1277185 T3 DK1277185 T3 DK 1277185T3 DK 01927683 T DK01927683 T DK 01927683T DK 01927683 T DK01927683 T DK 01927683T DK 1277185 T3 DK1277185 T3 DK 1277185T3
Authority
DK
Denmark
Prior art keywords
mitigating
risks
procedure
customer
mobile phone
Prior art date
Application number
DK01927683T
Other languages
Danish (da)
Inventor
Helge Kiessler
Norbert Neumann
Original Assignee
Webtrade Net The Payment Compa
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 Webtrade Net The Payment Compa filed Critical Webtrade Net The Payment Compa
Application granted granted Critical
Publication of DK1277185T3 publication Critical patent/DK1277185T3/en

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
    • 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
    • G06Q20/4014—Identity check for 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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Method in which a customer (1) applies to a vendor's web server (3) for a personal identification number (4) by filling in a form including his mobile phone number and paying a minimum amount. The details in the form are checked in a database and in the testing is successful the customer is sent a PIN or similar via e-mail. To finally authorize the account the user sends an SMS message to the web server, which provided mobile phone number and PIN match the database entries is authorized. The invention can be extended to include automatic generation of a transaction authorization number.
DK01927683T 2000-02-23 2001-02-21 Procedure for mitigating the risks of e-commerce business DK1277185T3 (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE10008459A DE10008459A1 (en) 2000-02-23 2000-02-23 Method for reducing the risk of e-commerce transactions by allocation or a personal identification number or similar in steps involving application via the Internet and validation by sending a text message via a mobile phone

Publications (1)

Publication Number Publication Date
DK1277185T3 true DK1277185T3 (en) 2007-01-15

Family

ID=7632118

Family Applications (1)

Application Number Title Priority Date Filing Date
DK01927683T DK1277185T3 (en) 2000-02-23 2001-02-21 Procedure for mitigating the risks of e-commerce business

Country Status (9)

Country Link
EP (1) EP1277185B1 (en)
AT (1) ATE338993T1 (en)
AU (1) AU2001254655A1 (en)
DE (2) DE10008459A1 (en)
DK (1) DK1277185T3 (en)
ES (1) ES2272467T3 (en)
HK (1) HK1053896A1 (en)
PT (1) PT1277185E (en)
WO (1) WO2001063575A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2829647A1 (en) * 2001-09-11 2003-03-14 Mathieu Schnee Authentication of a transaction relating to acquisition and payment for goods and services, whereby authentication makes use of both Internet and mobile phone technology for transmission and validation of codes and passwords
GB2389693A (en) * 2002-06-10 2003-12-17 Consignia Plc Payment systems

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5778173A (en) * 1996-06-12 1998-07-07 At&T Corp. Mechanism for enabling secure electronic transactions on the open internet
US6868391B1 (en) * 1997-04-15 2005-03-15 Telefonaktiebolaget Lm Ericsson (Publ) Tele/datacommunications payment method and apparatus
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
MXPA00002497A (en) * 1997-09-12 2003-07-21 Amazon Com Inc Method and system for placing a purchase order via a communications network.

Also Published As

Publication number Publication date
HK1053896A1 (en) 2003-11-07
WO2001063575A2 (en) 2001-08-30
ES2272467T3 (en) 2007-05-01
DE10008459A1 (en) 2001-10-04
ATE338993T1 (en) 2006-09-15
WO2001063575A3 (en) 2002-04-18
AU2001254655A1 (en) 2001-09-03
PT1277185E (en) 2007-01-31
EP1277185A2 (en) 2003-01-22
DE50110940D1 (en) 2006-10-19
EP1277185B1 (en) 2006-09-06

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