EP1129423A4 - Systeme et procede pour fournir un acces au commerce electronique dans un site web d'internet - Google Patents

Systeme et procede pour fournir un acces au commerce electronique dans un site web d'internet

Info

Publication number
EP1129423A4
EP1129423A4 EP99969517A EP99969517A EP1129423A4 EP 1129423 A4 EP1129423 A4 EP 1129423A4 EP 99969517 A EP99969517 A EP 99969517A EP 99969517 A EP99969517 A EP 99969517A EP 1129423 A4 EP1129423 A4 EP 1129423A4
Authority
EP
European Patent Office
Prior art keywords
webcard
website
client
commerce access
account number
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP99969517A
Other languages
German (de)
English (en)
Other versions
EP1129423A1 (fr
Inventor
James Joseph Boyle
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Publication of EP1129423A1 publication Critical patent/EP1129423A1/fr
Publication of EP1129423A4 publication Critical patent/EP1129423A4/fr
Withdrawn legal-status Critical Current

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates generally to a system and method for accessing a website, and more particularly to a novel system and method for paying for access, information, services and/or goods from the website.
  • Businesses can bring their goods and service offerings directly into the homes and offices of consumers through an Internet portal. Businesses maintain electronic "storefronts" as websites.
  • One form of website includes a series of web pages which include various information about the business, and its products and/or services, akin to an electronic catalog. Consumers may browse through the website to gain information about the business and its products or services in which the consumer may be interested.
  • Another form of website includes a series of web pages which include the business 's product itself, in the form of information or entertainment.
  • the business may be providing access to an electronic newspaper or magazine, may be providing access to search a particular database, or may be providing access to games, video, electronic greeting cards, screen savers, animations, photographs, recordings, advice, or other similar forms of media or entertainment.
  • payment for goods and services is made in a traditional form including checks, money orders, etc.
  • the consumer would mail his payment to the business and upon receiving payment, the business would ship or deliver the goods or provide the services to the consumer.
  • a drawback to this form of payment is that the consumer must wait several days until the business receives and clears the payment before the business will ship the goods or provide the services to the consumer.
  • Another form of payment includes an account form of payment.
  • the business would ship the goods or provide the services to the consumer and then bill the consumer on some periodic basis (e.g., weekly, monthly, quarterly, yearly, per order, etc.).
  • the business might bill the consumer in advance of service, or after services have been provided.
  • a drawback to this form of payment is that the business must maintain a billing department for processing the bills and payments, and handle issues of collection.
  • Yet another form of payment includes a credit card (VISATM, MASTERCARDTM, AMERICAN EXPRESSTM, etc.).
  • VISATM VISATM, MASTERCARDTM, AMERICAN EXPRESSTM, etc.
  • the consumer provides his credit card number to the business at the same time he orders the goods, services, and/or information.
  • the business interacts with the issuer of the credit card to obtain payment and provides the goods, services, and/or information virtually immediately to the consumer.
  • One major drawback to this form of payment is that while consumers will use their credit cards in retail stores and often times over the telephone for mail order, at the present, consumers are extremely reluctant to use their credit cards for purchases over the Internet for various reasons. These reasons include issues of security, confidentiality, privacy, and general novelty associated with the Internet.
  • credit cards may be cost prohibitive for small purchases (e.g., $1.00) or the issuer may require a minimum purchase amount (e.g. $10.00).
  • Debit cards e.g., checking cards, ATM cards, etc.
  • the present invention is directed toward an improved system and method for providing e-commerce access to an Internet website.
  • the present invention provides a novel form of payment for gaining e-commerce access to an Internet website in the form of a webcard.
  • a webcard represents a prepaid account associated with a particular website or group of websites accessible over the Internet.
  • the webcard may be purchased from a department store, specialty store, convenience store, a kiosk, vending machine, a catalog or other similar retail point-of-sale location including a website, or offered as a promotional item.
  • a consumer purchases the webcard in a traditional manner from a retail point-of-sale location by means with which he is comfortable using cash, check, money order, credit card, or any other form of payment.
  • paying for e-commerce access to a website assumes the form of a more traditional, functional transaction.
  • the webcard includes a diminishing debit value having various units depending upon the website to which it provides e-commerce access.
  • These units include: a cash value (e.g., $100 worth of goods); a unit value associated with the website (e.g., 10 searches in a particular database); a subscription value (e.g., 8 weeks of a daily newspaper); a time value (e.g., 100 minutes of video or game time); and other units whereby goods, services, and/or information can be sold.
  • a cash value e.g., $100 worth of goods
  • a unit value associated with the website e.g., 10 searches in a particular database
  • a subscription value e.g., 8 weeks of a daily newspaper
  • a time value e.g., 100 minutes of video or game time
  • the webcard solves the problems of traditional methods of payment for e-commerce access in several ways.
  • the consumer is able to purchase e-commerce access in a traditional manner from a retail point-of-sale location.
  • businesses are able to provide e-commerce access to consumers through prepaid accounts without worrying about billing or collection issues.
  • losses associated with security issues such as fraud or electronic theft are limited to the diminishing debit value associated with each card. In other words, neither the consumer or the business is exposed to a loss of more than the diminishing debit value.
  • the webcard provides a practical way of paying for small purchases of goods and/or services over the Internet. In other words, the webcard provides increased granularity for e-commerce transactions than was previously available.
  • FIG. 1 illustrates an Internet environment in which the present invention operates
  • FIG. 2 illustrates a webcard according to one embodiment of the present invention
  • FIG. 3 illustrates various retail point-of-sale locations where webcards can be purchased according to various embodiments of the present invention
  • FIG. 4 illustrates a website according to one embodiment of the present invention in further detail
  • FIG. 5 is a flowchart illustrating the operations performed by a client according to one embodiment of the present invention.
  • FIG. 6 is a flowchart illustrating the operation of a website according to one embodiment of the present invention. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
  • FIG. 1 illustrates an Internet environment 100 in which the present invention is utilized.
  • Internet environment 100 includes a consumer 110 (more typically referred to as client 110), a remote terminal 120 with which client 110 interfaces with Internet environment, the Internet 130 which operatively couples remote terminal 120 to a server 140 on which a website 150 is operated.
  • client 110 obtains e-commerce access to website
  • E-commerce access to website 150 refers to purchasing anything through Internet environment 100 including, but is not limited to, physical goods, services, information, electronic media, or any other tangible or intangible item that may have value and that may be purchased through Internet environment 100. E-commerce access may be required in order to simply enter the website or may be required when delivery of goods, services, or information is requested. Several examples may illustrate this aspect of the present invention. With respect to a website 150 that offers clothing for sale, e-commerce access to website 150 represents the ability to purchase one or more items of clothing.
  • e-commerce access to website 150 represents the ability to read the newspaper on a paper-by-paper basis or as a subscription over a period of weeks.
  • e-commerce access to website 150 represents the ability to play one or more video games for a given amount of time, for a given number of plays, or unlimited number of plays within a particular subscription period.
  • e-commerce access to website 150 represents the ability to submit a search to the database.
  • e-commerce access to website 150 refers to a particular level of access to the website for which payment can be expressed and extracted.
  • FIG. 2 illustrates webcard 160 for obtaining e-commerce access to website 150 according to one embodiment of the present invention.
  • Webcard 160 includes a substrate 210 on which is affixed the following elements: a webcard identifier 220, an account and or security number 230, and optionally, an expiration date 240 and a company graphic or logo 250. These elements may be affixed in any manner on substrate 210 including embossing, printing, screening, adhering, or other equivalent forms of attaching the elements onto or forming the elements into substrate 210.
  • webcard 160 may include an electronic device (not shown) in addition to or in lieu of the elements affixed to substrate 210.
  • the electronic device may include a magnetic strip, a transponder, a microchip or other similar device for recording and storing electronic information that includes similar information to that described as being affixed onto substrate 210.
  • Webcard identifier 110 identifies a website 150 with which webcard 160 is associated.
  • webcard identifier 110 corresponds to a URL address at which website 150 (or a home page associated with website 150) is located on the Internet.
  • Other identifiers can be used that suitably associates webcard 160 with website 150.
  • Account or security number 230 represents an account with which webcard 160 is associated for purposes of monitoring payment for e-commerce access.
  • account number 230 identifies a particular entry in a database used to track a diniinishing debit value associated with webcard 160.
  • Account number 230 is used with website 150 to provide payment to website 150 for e-commerce access as appropriate.
  • the diminishing debit value associated with webcard 160 is decremented accordingly.
  • account number 230 is a security code that uniquely identifies webcard 160 with a particular amount of e-commerce access to website 150. In effect, this aspect of the invention operates as a password for e-commerce access to website 150.
  • account number 230 may comprise an account number as described above as well as a separate security code or personal-identification-number ("PIN").
  • This security code or PIN may be predetermined and affixed to substrate 210, may be assigned by website 150 and communicated securely to client 110 after an initial login procedure, may be assigned to client 110 at the retail point-of-sale location, or selected by client 110 and commumcated to website 150 in any suitably secure manner.
  • account number 230 is masked from public view prior to being sold at the retail point-of-sale location.
  • Suitable means for masking account number 230 includes an opaque, sealed wrapper, a scratch-off field, an opaque removable adhesive strip, or other such means for preventing viewing of account number 230 while webcard 160 is displayed for sale.
  • Optional element company graphic or logo 250 may be included on webcard 160.
  • company graphic or logo 250 may simply identify webcard 160 with a company and its associated website 150.
  • company graphic or logo 250 may comprise a collectible graphic such as that used with various trading cards (e.g., sports cards, gaming cards, specialty cards, etc.), or a collectible artwork, autograph or other collectible item.
  • Some webcards 160 for example an electronic "smart" webcard 160, may include audio, video, or animation as part of company graphic or logo 250.
  • Optional expiration date 240 may be included on webcard 160.
  • expiration date 240 may represent a date at which webcard 160 becomes useless regardless of the diminishing debit value. This avoids a problem associated with payment mechanisms where accounts become stale or inactive.
  • expiration date 240 corresponds to the diminishing debit value and represents a date at which, for example, a subscription to website 150 expires.
  • Expiration date 240 may also be used as a security code in a manner similar to further authenticate typical credit cards.
  • An optional production control number 260 may be included on webcard 160.
  • production control number 260 may also be used to authenticate webcard 160 in a manner similar to that discussed above with respect to the security code.
  • the diminishing debit value associated with webcard 160 represents the amount of e-commerce access client 110 to which client 110 is entitled from website 150.
  • webcard 160 has a predetermined diminishing debit value or face value as it is referred to herein.
  • the face value of webcard 160 may be fixed or variable.
  • webcard 160 may have a fixed initial face value of, for example, $100, 10 hours, or 25 searches, depending on the e- commerce access provided by website 150.
  • webcard 160 may have a variable initial face value permitting client 110 to select an amount of e-commerce access to website 150.
  • retail point-of-sale locations 300 would be required to communicate the face value of webcard 160 to website 150 as would be apparent.
  • webcard 160 may be purchased in various "denominations," e.g. $10, $20, $50, $100, etc., for varying amounts of e-commerce access to website 150.
  • the face value may be affixed onto substrate 210.
  • the face value may be associated with a particular color of substrate 210 in a manner similar to poker chips. For example, blue webcards 160 may have a face value of $100 dollars while red webcards may have a face value of $50, and white webcards may have a face value of $10.
  • no indicia of face value is affixed onto substrate 210.
  • Figure 3 illustrates various retail point-of-sale locations 300 from which client 110 may purchase webcard 160.
  • retail point-of-sale locations include, but are not limited to, a convenience store 310, a kiosk 320, a retail store 330, a newsstand 340, a catalog 360, direct mail 370, and direct TV 380.
  • These retail point-of-sale locations 300 thus mentioned are not intended to be exclusive but rather illustrative of the various locations at which webcards may be sold to client 110 in a traditional transactional manner using cash, check, credit card, debit card, money order, etc., to obtain webcard 160.
  • Each of these retail point-of-sale locations 300 represents a location where client 110 is familiar and comfortable with making purchases.
  • Convenience store 310 and retail store 330 represent point-of-sale locations where clients 110 purchase other physical goods (e.g., milk, bread, toilet paper, gas, clothing, electronics, etc.) in addition to webcard 160.
  • convenience store 310 and retail store 330 would sell webcards 160 associated with websites offering similar, identical, or related goods and services to those offered in the point- of-sale location.
  • retail store 330 might offer webcards 160 for sale for e-commerce access to its own website 150.
  • Newsstand 340 represents a point-of-sale location where clients 110 purchase information in the forms of newspapers, magazines, books, etc.
  • newsstand 340 would sell webcards 160 associated with websites offering electronic versions of newspapers, magazines and/or books.
  • Kiosk 320 represents a point-of-sale location where clients 110 might purchase webcards 160 for various entertainment websites 150 (e.g., video games, movies, etc.), or webcards 160 for various informational websites 150 (e.g., maps or directions, stock quotes, etc.).
  • kiosk 320 itself represents a point-of-sale location for webcard 160 as well as a remote teiminal 120 where client 110 can, if he so desired, obtain e-commerce access to website 150, or a group of websites 150.
  • kiosk 320 may present a survey to a client 110 requesting various information associated with client 110. After the client 110 completes the survey, kiosk 320 may provide client 110 with a complimentary webcard 160 based on the client's responses to the survey or based on the website 150 sponsoring the survey.
  • Catalog 360, direct mail 370 and direct TV 380 represent various point-of-sale locations 300 where clients 110 might purchase webcards 160 for various specialty websites
  • Another retail point-of-sale location 300 might include webcards 160 as a promotion 350 associated with website 150. While client 110 may not have technically purchased webcard 160 from a point-of-sale location 300, client 110 may have received promotion 350 as a distribution through a point-of-sale location (e.g., inside a cereal box, inside a pack of trading cards, etc.) or as a result of client's presence at a point-of-sale location (e.g., a trade show, a collectors show, etc.).
  • a point-of-sale location e.g., inside a cereal box, inside a pack of trading cards, etc.
  • a result of client's presence at a point-of-sale location e.g., a trade show, a collectors show, etc.
  • FIG. 4 illustrates website 150 according to one embodiment of the present invention in further detail.
  • Website 150 includes a series of webpages 410 that include or illustrate goods, services and/or information to which client 110 desires e-commerce access. This aspect of the present invention is well known and further description is not included.
  • website 150 includes a webcard database 420 to monitoring access to website 150. This aspect of the present invention is now described.
  • Webcard database 420 includes one or more webcard entries 430 each corresponding to a unique webcard 160.
  • Each webcard entry 430 includes an account field 440 and a diminishing debit value ("DDV") field 460.
  • Each webcard entry 430 may also include a separate security field 450 as well.
  • Other fields such as expiration date, webcard issuer, webcard holder, etc., may also be included in webcard entry 430.
  • a webcard entry 430 is created in webcard database 420 for each webcard 160 issued for particular website 150.
  • Account field 440 in webcard entry 430 corresponds to account number 230 on webcard 160.
  • DDV field 460 corresponds to the diminishing debit value associated with webcard 160.
  • Security field 450 corresponds to a security code or PIN provided to or selected by client 110 as discussed above. Other fields may be used as would be appropriate to manage and monitor use of webcard 160 with website 150 including a field associated with production control number 260.
  • account field 440 is used to identify valid account numbers 230 associated with issued webcards 160.
  • website 150 checks in webcard database 420 for webcard entry 430 corresponding to account number 230 provided by client 110 for bis webcard 160.
  • website 150 locates webcard entry 430 that includes account field
  • website 150 attempts to authenticate webcard 160 and the right of client 110 to obtain e-commerce access to website 150.
  • website 150 in an attempt to further authenticate webcard 160, might prompt client 110 for a security code or PIN provided to client or for an expiration date 240 or production control number 260 included on webcard 160. If client 110 provides a code that corresponds to security field 450, website 150 may be assured that webcard 160 is authentic.
  • Various well known authentication schemes and protocols are available and could be used as would be apparent. Such schemes may include graphic variances.
  • website 150 After authenticating webcard 160, in one embodiment of the present invention, website 150 checks DDV field 460 to determine whether an associated webcard 160 has any remaining e-commerce value. For example, website 150 may check DDV field 460 for a nonzero value thereby indicating that webcard 160 still has value remaining. Alternately, website 150 may check DDV field 460 for a date associated with a subscription period. A subscription period may be fixed, or variable as in the case of a subscription starting from a date of first use. If the present date is within the tolling subscription period, webcard 160 has value remaining. Other mechanisms for determining whether webcard 160 has value remaining are available depending upon the units of value measured as would be apparent.
  • website 150 may check to determine whether webcard 160 has sufficient e-commerce value to perform the transaction requested by client 110. For example, if client 110 attempts to purchase $50 worth of clothing, website 150 must determine whether client's webcard 160 has $50 worth of e-commerce access. If so, website 150 provides e-commerce access to website 150 by accepting the transaction. If not, website 150 refuses e-commerce access to website 150 by denying the transaction.
  • website 150 decrements the dimmishing debit value associated with webcard 160 and updates this in webcard database 420 as corresponding DDV field 460.
  • website 150 explicitly decrements the diininishing debit value associated with webcard 160.
  • website 150 deducts the cost of the e- commerce access for a particular transaction from the dimimshing debit value as in the case of a clothing purchase.
  • website 150 decrements the dimimshing debit value associated with webcard 160 periodically as units of time pass as would be appropriate depending on the particular type of e-commerce access associated with webcard 160 (e.g., e-commerce access measured as units of time).
  • website 150 decrements the dimmishing debit value associated with webcard 160 as pages or bytes of information are transferred to client 110.
  • website 150 implicitly decrements the (hmmishing debit value associated with webcard 160.
  • e-commerce access is provided as a subscription for a particular period of time.
  • the dimimshing debit value represents the expiration date of the subscription.
  • website 150 does not decrement the dimimshing debit value explicitly; rather the decrementing is performed implicitly because as each day passes the days remaining in the subscription are reduced.
  • the functions of website 150 thus described with respect to webcard database 420 are performed by a third party (not shown) rather than website 150.
  • website 150 would pass information including account number 230, value of the desired e-commerce access, and/or any other additional information to the third party for the third party to authenticate webcard 160, determine whether an associated diminishing debit value is sufficient for the desired e-commerce access, and/or perform the various accounting and record keeping tasks associated with the present invention.
  • a manufacturer/issuer of webcards 160 would perform or provide access to the functions of this third party.
  • client 110 purchases a webcard 160 from a familiar, traditional retail point-of-sale location 300.
  • client 110 may purchase webcard from convenience store 310, kiosk 320, retail store 330, newsstand 340, catalog 360, direct mail 370, direct TV 380, or other similar retail location where client 110 can purchase goods and services in a traditional manner.
  • this step contemplates client 110 receiving webcard 160 as a promotion 350.
  • this step involves client
  • client 110 requests e-commerce access to website 150 associated with webcard 160 via remote terminal 120 and the Internet 130, where website 150 resides on server (or server cluster) 140.
  • server or server cluster
  • client 110 makes a request to website 150 that requires payment by client 110 before access is granted (e.g., before goods will be sold, before a search to a database is performed, before entry beyond the homepage of the website is granted, etc.).
  • client 110 sends an account number associated with webcard 160 to website 150 via the Internet 130 to obtain the requested e-commerce access to website 150.
  • This step may be performed prior to, after, or in conjunction with step 520.
  • the present invention requires that client 110 demonstrate to website 150 that he has a valid webcard 160 prior to being granted e-commerce access to website 150.
  • Step 530 may also include steps associated with sending a security code, PIN, expiration date 240, or other information as discussed above in order for website 150 to authenticate and verify webcard 160 as valid.
  • client 110 receives e-commerce access from website 150.
  • website 150 The operation of website 150 according to the present invention is now described with reference to Figure 6. As described below, these operations are performed by website 150.
  • website 150 provides a web page to client 110 via the Internet 130.
  • this web page sometimes referred to as a home page for the website 150, is the web page addressed by the URL provided on webcard 160.
  • website 150 may have several home pages targeting several different clients 110.
  • website 150 may have a unique home page exclusively for clients 110 with webcards 160 and other home pages for clients 110 using other forms of payment.
  • the operation and implementation of web pages is well known and not discussed in further detail herein.
  • website 150 receives a request from client 110 for e-commerce access to website 150.
  • this request for e-commerce access may be a request from client 110 to purchase goods, perform a search, enter a website, etc.
  • website 150 determines whether e-commerce access is to be granted to client 110 based on webcard 160. This step may involve providing client 110 with one or more payments selections from which to chose. For example, website 150 may accept several forms of payment including a credit card, a debit card, an account, an electronic transfer of funds, check, money order, etc., with appropriate procedures in place to handle each form of payment as would be apparent. According to the present invention, website 150 also accepts payment in the form of webcard 160. In one embodiment of the present invention, website 150 only accepts payment in the form of webcard 160. In this embodiment of the present invention, step 630 may be performed implicitly.
  • step 630 may provide separate web pages and/or URL addresses for clients using webcards 160.
  • website 150 operates on preferred servers 140 (i.e., faster processors, higher bandwith connections, additional features and/or products, "red carpet” services, special discounts, etc.) for clients 110 that use webcards 160.
  • website 150 receives account number 230 associated with webcard 160 from client 110.
  • Website 150 may receive account number 230 in response to a prompt for client 110 to enter account number 230 or in conjunction with step 630 as client 110 selecting webcard 160 as his form of payment.
  • Other forms of receiving account number 230 from client 110 are contemplated according to various well known Internet protocols including a third party receiving account number 230.
  • website 150 authenticates webcard 160. Generally, website 150 searches webcard database 420 for webcard entry 430 corresponding to account number 230.
  • website 150 may prompt client 110 for a security code, PIN, expiration data, production control number, etc., in an attempt to further authenticate webcard 160 as a valid webcard.
  • step 660 website 150 determines whether a diminishing debit value associated with webcardl ⁇ O is sufficient for the e-commerce access requested by client 110.
  • website 150 performs this step by comparing DDV 460 in webcard entry 430 corresponding to account number 230 to the value of the requested e- commerce access. If DDV 460 exceeds or is equal to the value of the requested e-commerce access, website 150 determines that the diminishing debit value associated with webcard 160 is sufficient. Otherwise, the diminishing debit value is insufficient for the requested e- commerce access.
  • step 660 is performed in conjunction with step 650. In other words, in this embodiment of the present invention, authentication includes determining whether the dimimshing debit value is sufficient for the requested e-commerce access.
  • website 150 decrements the diminishing debit value associated with webcard 160 based on the requested e-commerce access.
  • website 150 deducts the costs of the e-commerce access from the value of the webcard account.
  • this step may be performed explicitly, as in the case of purchasing goods, or implicitly, as in the case of a subscription.
  • website 150 updates DDV 460 in webcard entry 430 associated with webcard 160 to reflect the change in the diminishing debit value as a result of the requested e-commerce access.
  • decrementing the diminishing debit value to zero or incrementing an amount of e- commerce used to the face value are equivalent mechamsms for performing a similar function of accounting albeit from opposite ends.
  • step 670 may be performed iteratively as units of time pass, as searches are provided, as bytes are downloaded, or by any other means by which payment is assessed to client 110 for the e-commerce access provided.
  • website 150 provides the requested e-commerce access to client 110.
  • steps thus described as being performed by website 150 may be performed by a third party. These steps include those associated with the various webcard authentication and/or accounting aspects of the present invention.
  • any of steps 640, 650, 660, and 670, as well as others may be performed by the third party with appropriate communication occurring between website 150 and the third party as would be apparent.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne une carte Web (160) associée à un site Web spécifique (150) ou à un groupe de sites Web d'Internet (130). Cette carte Web s'achète à différents points de vente pour faciliter diverses transactions de commerce électronique appelées accès au commerce électronique. L'accès au commerce électronique inclut, entre autres, l'accès au site web (150), l'achat de biens ou de services depuis le site web (150), l'accès à la recherche dans diverses bases de données (420) associées au site web (150), l'acheminement de train de données à partir du site web (150), etc. Les clients peuvent acheter des cartes Web (160) aux points de vente, dans le cadre d'une transaction usuelle classique, au moyen de divers mécanismes de paiement (espèces, cartes de crédit, chèques, etc.). En échange, la carte Web (160) leur permet d'acheter par la suite des biens, des services, des informations, etc., à partir du site web d'Internet (130). La carte Web (160) fournit également un mécanisme pratique pour gérer sur Internet (130) de petits achats (p. ex. inférieurs à 1 dollar américain, ou autres petits montants) que d'autres mécanismes de paiement refuseraient ou serait dans l'impossibilité de gérer.
EP99969517A 1998-09-18 1999-09-17 Systeme et procede pour fournir un acces au commerce electronique dans un site web d'internet Withdrawn EP1129423A4 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US15660398A 1998-09-18 1998-09-18
US156603 1998-09-18
PCT/US1999/021599 WO2000017796A1 (fr) 1998-09-18 1999-09-17 Systeme et procede pour fournir un acces au commerce electronique dans un site web d'internet

Publications (2)

Publication Number Publication Date
EP1129423A1 EP1129423A1 (fr) 2001-09-05
EP1129423A4 true EP1129423A4 (fr) 2001-12-12

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EP99969517A Withdrawn EP1129423A4 (fr) 1998-09-18 1999-09-17 Systeme et procede pour fournir un acces au commerce electronique dans un site web d'internet

Country Status (6)

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EP (1) EP1129423A4 (fr)
JP (1) JP2002525759A (fr)
AU (1) AU768896B2 (fr)
CA (1) CA2344685A1 (fr)
MX (1) MXPA01002864A (fr)
WO (1) WO2000017796A1 (fr)

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CA2344685A1 (fr) 2000-03-30
WO2000017796A9 (fr) 2001-02-01
AU768896B2 (en) 2004-01-08
WO2000017796A1 (fr) 2000-03-30
JP2002525759A (ja) 2002-08-13
MXPA01002864A (es) 2002-04-08
AU6049499A (en) 2000-04-10
EP1129423A1 (fr) 2001-09-05

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