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
  • G06Q20/08—Payment architectures
  • G06Q20/16—Payments settled via telecommunication 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
  • G06Q20/04—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
  • G06Q20/12—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
  • G06Q20/24—Credit schemes, i.e. "pay after"
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04M—TELEPHONIC COMMUNICATION
  • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
  • H04M15/68—Payment of value-added services
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04Q—SELECTING
  • H04Q3/00—Selecting arrangements
  • H04Q3/0016—Arrangements providing connection between exchanges
  • H04Q3/0029—Provisions for intelligent networking
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04M—TELEPHONIC COMMUNICATION
  • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
  • H04M2215/01—Details of billing arrangements
  • H04M2215/0176—Billing arrangements using internet
• • H—ELECTRICITY
  • H04—ELECTRIC COMMUNICATION TECHNIQUE
  • H04M—TELEPHONIC COMMUNICATION
  • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
  • H04M2215/01—Details of billing arrangements
  • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking

Definitions

• a further problem with the method described in publication WO 97/29584 is that the customer's temporary IP address is used for customer identification in data transfer through the Internet.
• Such a use of an IP address involves, in principle, a risk that an external party may hijack the temporary IP address in data network traffic and use it to defraud.
• One versed in the art can easily hijack an IP address and though it is illegal to forge an IP address and use it to generate bills to someone else, nevertheless the risk exists.
• the present invention is also intended to eliminate this defect in the prior art and to create an entirely new type of method for identifying a user during transactions made over a data network through a telephone network.
• the aforesaid invention considerably reduces the risk of misuse if a telephone bill is used to bill for services and goods purchased from the Internet through a telephone connection.
• Security is improved by the fact that it is not necessary to use the IP address used by the customer to identify the customer outside the telephone operator's system.
• Security is also improved by the fact that highly effective encryption methods, which are not necessarily available to private consumers, can be used in a connection through a public data network.
• connection 20 is identified on the basis of the Calling Line Identity.
• SSP exchange 21 On the basis of the SCI message, SSP exchange 21 sends a pulse train, corresponding to the price of the service or product, to the connection 20 used by the person placing the order.
• SSP 21 defining the tariff information to be sent from SSP 21 in the direction of the calling subscriber. This allows a single payment for a service to be defined very flexibly in the charging message.
• the charge can be, for example, between 1 penny and 100,000 markkas.
• the actual billing information is transmitted in the FCIChargeBase section of the FCI message 8, and in its fields in which data can be freely entered. Such fields can be used to state e.g. the Calling Line Identity of the subscriber paying for the service or product, and billing information (price, number of items, currency, etc.) on the service or product. In the future, it will be possible to define more fields in the FCI message, for this and other purposes.
• the invention can also be applied to transactions carried out through other data networks.
• the invention can also be applied so that the telephone connection 20 is a mobile phone connection or, for example, an extension of a PBX in a company.
• One preferred embodiment of the invention can be purchasing by means of a mobile phone incorporating a computer.
• the invention can also be applied so that the billing event transmits not only the aforesaid billing information available from the Internet or other data network, but also additional purchase information, such as a more detailed product specification or product description, the vendor's name and address or other information that it is advantageous to transfer to the telephone bill.
• SCP database 23 which is informed of the billing event, adds this information to the FCI message 8 sent to SSP exchange 21.
• the aforesaid additional fields in the FCI message can permit a considerable amount of additional information to be transferred transparently to the AMA-ticket, and thus through the billing system, to create the desired telephone bill. Examples of this include additional lines of text, graphics, illustrations, alphanumerical signs, and barcodes.
• One possible embodiment for transmitting this additional information is to code the FCI message 8 as eight-bit ASCII symbols, thus adding a line of text, with the desired content for each purchase event, to the purchaser's telephone bill.
• Such additional lines of text can provide vendor and product information (product specification, product description, etc.).

Landscapes

• Business, Economics & Management (AREA)
• Engineering & Computer Science (AREA)
• Accounting & Taxation (AREA)
• General Physics & Mathematics (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• Strategic Management (AREA)
• Theoretical Computer Science (AREA)
• Finance (AREA)
• Computer Networks & Wireless Communication (AREA)
• Signal Processing (AREA)
• Meter Arrangements (AREA)
• Telephonic Communication Services (AREA)

Applications Claiming Priority (3)

Publications (1)

Family

ID=8550016

Family Applications (1)

Country Status (4)

Families Citing this family (27)

Family Cites Families (5)

• 1997
  • 1997-11-26 FI FI974342A patent/FI106152B/fi not_active IP Right Cessation
• 1998
  • 1998-11-26 AU AU12405/99A patent/AU1240599A/en not_active Abandoned
  • 1998-11-26 EP EP98955635A patent/EP1042740A2/en not_active Withdrawn
  • 1998-11-26 WO PCT/FI1998/000929 patent/WO1999030293A2/en not_active Application Discontinuation

Non-Patent Citations (1)

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