EP1190263A2 - Systeme de commerce electronique - Google Patents

Systeme de commerce electronique

Info

Publication number
EP1190263A2
EP1190263A2 EP00937032A EP00937032A EP1190263A2 EP 1190263 A2 EP1190263 A2 EP 1190263A2 EP 00937032 A EP00937032 A EP 00937032A EP 00937032 A EP00937032 A EP 00937032A EP 1190263 A2 EP1190263 A2 EP 1190263A2
Authority
EP
European Patent Office
Prior art keywords
user terminal
internet
site
vendor
action
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Withdrawn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
EP00937032A
Other languages
German (de)
English (en)
Inventor
John Quentin Phillipps
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 EP1190263A2 publication Critical patent/EP1190263A2/fr
Withdrawn legal-status Critical Current

Links

Classifications

    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • 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
    • G06Q20/12—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"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347—Passive cards
    • 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
    • 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
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1075—PIN is checked remotely

Definitions

  • the present invention relates to an electronic commerce system.
  • An Internet connectivity provider site for a system preferably includes:- a database of vendor site IP addresses and associated action definitions; search means for searching the database for the destination IP address in a message from the user terminal; identification means responsive to the search means finding an IP address in the database to identify said action definition in the message; and signalling means for signalling action definition parameters to the financial service provider site in dependence on identification of an action definition by the identification means and receiving a transa ⁇ ion ID or other data not comprising a payment card number therefrom; means for substituting at least a payment card number within the parameter or parameters of said action definition with the transaction ID or other data; and transmission means for sending the modified message to the vendor site.
  • the making of a purchase by the user of user terminal 1 from the first Internet vendor site 7 will now be described. It will be appreciated that the method is effected by a conventional web browser running on the first user terminal 1 and custom programs running on the communication computer 11, the transaction computer 12 and the web server at the first vendor site 7.
  • caller line identification can be used to identify the telephone line used to dial into the financial service provider site 5. This number can then be passed to a law-enforcement agency with a report of an attempted credit card fraud.
  • WebPADTM which includes a modem.
  • WindowsCE is used as the operating system for the first user terminal 101.
  • the dial-up networking configuration user interface is disabled so that a user cannot alter the Internet connectivity provider used for Internet access.
  • a web browser program is provided on the first user terminal 101 so that the user can access the World Wide Web using the terminal's modem.
  • the system operates in this manner until, the first user terminal 101 sends a URL addressed to the first vendor site 107 which, for example, identifies the vendor's home page.
  • the communication computer 11 finds the destintion IP address in the first datagram of the message containing the URL in its database.
  • the communication computer 111 caches the datagrams until the whole message has been received.
  • the communication machine 111 analyses the message to determine whether it contains the "action" URL of the destination vendor's credit card details form as contained in its database. Since, the URL is for the vendor's home page, the datagrams are now forwarded unmodified to the first vendor site 107 via the Internet 106.

Landscapes

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

Abstract

L'invention concerne un système de commerce électronique évitant la transmission de numéros de cartes de crédit via Internet (6). Les sites de fournisseurs Internet (7, 8) sont enregistrés avec un fournisseur d'accès Internet (5). Aussi, ce dernier est-il en mesure d'intercepter les URL pour exécution issus des formulaires contenant des détails concernant les cartes de crédit des sites fournisseurs (7, 8). Ces URL pour exécution sont modifiés de manière à inclure un code ID de transaction remplaçant les détails sur la carte de crédit et envoyés au site fournisseur approprié (7, 9), le fournisseur d'accès Internet (5) copiant l'identité de l'utilisateur (1, 2, 3). Le fournisseur d'accès Internet (5) peut être un fournisseur de services financiers ou avoir une voie de communication protégée avec un fournisseur de services financiers.
EP00937032A 1999-06-10 2000-06-02 Systeme de commerce electronique Withdrawn EP1190263A2 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
GB9913530A GB2350982B (en) 1999-06-10 1999-06-10 Electronic commerce system
GB9913530 1999-06-10
PCT/GB2000/002138 WO2000077733A2 (fr) 1999-06-10 2000-06-02 Systeme de commerce electronique

Publications (1)

Publication Number Publication Date
EP1190263A2 true EP1190263A2 (fr) 2002-03-27

Family

ID=10855109

Family Applications (1)

Application Number Title Priority Date Filing Date
EP00937032A Withdrawn EP1190263A2 (fr) 1999-06-10 2000-06-02 Systeme de commerce electronique

Country Status (10)

Country Link
EP (1) EP1190263A2 (fr)
JP (1) JP2003502743A (fr)
KR (1) KR20020035004A (fr)
CN (1) CN1354861A (fr)
AU (1) AU762413B2 (fr)
BR (1) BR0011729A (fr)
CA (1) CA2376802A1 (fr)
GB (1) GB2350982B (fr)
MX (1) MXPA01012714A (fr)
WO (1) WO2000077733A2 (fr)

Families Citing this family (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001090987A1 (fr) * 2000-05-25 2001-11-29 Wilson How Kiap Gueh Systeme et procede de transactions
GB2370475A (en) * 2000-12-22 2002-06-26 Hewlett Packard Co Secure online transaction where a buyer sends some information direct to a bank and some via a vendor
WO2002058017A1 (fr) * 2001-01-19 2002-07-25 Haissam Malas Procede et systeme de paiement mondial et carte de paiement utilisee avec ce procede et ce systeme
GB2372616A (en) 2001-02-23 2002-08-28 Hewlett Packard Co Transaction method and apparatus using two part tokens
FI20011134A (fi) * 2001-05-31 2002-12-01 Portalify Oy Menetelmiä ja järjestelmiä tietoliikenneverkossa palvelujen toimittamiseksi ja veloittamiseksi
FI20012044A (fi) * 2001-10-22 2003-04-23 Portalify Oy Menetelmä ja tietoliikenneverkko palvelujen tarjoamiseksi ja laskuttamiseksi
FR2843216B1 (fr) * 2002-07-30 2004-11-19 France Telecom Procede de telepaiement, systeme et passerelle pour la mise en oeuvre de ce procede, utilisation de ce procede
FR2862170A1 (fr) * 2003-11-06 2005-05-13 France Telecom Procede de transfert de donnees confidentielles en coeur de reseaux
US20060047662A1 (en) * 2004-08-31 2006-03-02 Rajkishore Barik Capability support for web transactions
KR101923611B1 (ko) * 2011-04-11 2018-11-29 삼성전자주식회사 서비스 서버, 사용자 단말 장치, 그 서비스 제공 방법 및 제어 방법

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2059078C (fr) * 1991-02-27 1995-10-03 Alexander G. Fraser Transfert entre transactions via un systeme de communication
CA2100134C (fr) * 1992-09-29 1999-06-22 Raymond Otto Colbert Systeme d'autorisation securitaire pour cartes de credit/debit
ATE159484T1 (de) 1993-08-06 1997-11-15 Kaysersberg Packaging Sa Schachtel in der form einer schauverpackung
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US6252869B1 (en) * 1995-12-29 2001-06-26 At&T Corp. Data network security system and method
US5815665A (en) * 1996-04-03 1998-09-29 Microsoft Corporation System and method for providing trusted brokering services over a distributed network
US5778173A (en) * 1996-06-12 1998-07-07 At&T Corp. Mechanism for enabling secure electronic transactions on the open internet
EP0887776A1 (fr) * 1997-06-23 1998-12-30 Rainer Grunert Unité et méthode de transaction pour gestion de paiements sur Internet ou autres systèmes publiques client/serveur
AU5729200A (en) * 1999-06-09 2000-12-28 Intelishield.Com, Inc. Internet payment system

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO0077733A2 *

Also Published As

Publication number Publication date
BR0011729A (pt) 2003-07-08
CN1354861A (zh) 2002-06-19
MXPA01012714A (es) 2003-09-04
KR20020035004A (ko) 2002-05-09
GB2350982B (en) 2003-06-25
JP2003502743A (ja) 2003-01-21
GB2350982A (en) 2000-12-13
AU5232800A (en) 2001-01-02
WO2000077733A3 (fr) 2001-11-15
WO2000077733A2 (fr) 2000-12-21
GB9913530D0 (en) 1999-08-11
CA2376802A1 (fr) 2000-12-21
AU762413B2 (en) 2003-06-26

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