EP1358528A2 - Systeme d'audit destine au commerce electronique via un appareil de client - Google Patents

Systeme d'audit destine au commerce electronique via un appareil de client

Info

Publication number
EP1358528A2
EP1358528A2 EP01962818A EP01962818A EP1358528A2 EP 1358528 A2 EP1358528 A2 EP 1358528A2 EP 01962818 A EP01962818 A EP 01962818A EP 01962818 A EP01962818 A EP 01962818A EP 1358528 A2 EP1358528 A2 EP 1358528A2
Authority
EP
European Patent Office
Prior art keywords
receipt
transaction
transaction device
digitally signed
enabling
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Withdrawn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
EP01962818A
Other languages
German (de)
English (en)
Inventor
Michael Epstein
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.)
Koninklijke Philips NV
Original Assignee
Koninklijke Philips Electronics NV
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 Koninklijke Philips Electronics NV filed Critical Koninklijke Philips Electronics NV
Publication of EP1358528A2 publication Critical patent/EP1358528A2/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Withdrawn legal-status Critical Current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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • 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
    • G06Q20/30—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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • G07F7/0806—Details of the card
    • G07F7/0833—Card having specific functional components
    • G07F7/084—Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
    • 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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Definitions

  • This invention relates to the field of electronic commerce, and in particular to an auditing system that facilitates dispute resolution.
  • Such techniques are commonly termed "digital signing".
  • digital signing When an electronic document is electronically signed by a party, using a secret key, the document can be certified as being signed by that party, because only that party knows the secret key.
  • the digital signature is also dependent on the contents of the document, as well as the secret key. If the document is modified, the digital signature no longer corresponds to the contents of the modified document.
  • Checksums, hash functions, and the like are commonly used to provide a digital signing process that has the above author-authentication and modification-detection characteristics.
  • Digital signing traditionally requires an overt act.
  • the seller would be responsible for digitally signing the receipt, and then the buyer would be responsible for digitally signing an acknowledgement of the receipt.
  • the buyer would be responsible for digitally signing an acknowledgement of the receipt.
  • such a system would, in general, require that each vendor and purchaser use compatible digital signing and verification processes.
  • Set-top boxes having a "Buy” button are configured to store a digitally-signed receipt during each secure "buy” transaction.
  • Electronic "wallets” that are commonly used on a personal computer or palmtop computer to effect secure purchases are similarly configured to store a digitally-signed receipt corresponding to each transaction.
  • the receipts may be stored locally at the transaction device, or at "Receipt Warehouse” sites on the Internet.
  • Each transaction device is assigned a public/private key pair by the manufacturer of the device. The manufacturer of the transaction device provides a digitally- signed copy of the public key, so that its authenticity can be verified.
  • the transaction device When a transaction is completed, the transaction device receives a copy of the purchase receipt or the purchase agreement, digitally signs it, and stores it for future access. When and if a dispute arises, the digitally signed receipts or agreements can be presented as evidence of the transaction. Because the transaction device effects this signing automatically upon receipt of the information via a secure connection, these digitally signed receipts and agreements should reduce the time and cost of resolving disputes by providing a verifiable record of the transaction.
  • FIG. 1 illustrates an example flow diagram of a transaction and corresponding storage of a digitally signed receipt in accordance with this invention.
  • FIG. 2 illustrates an example transaction device in accordance with this invention.
  • FIG. 1 illustrates an example flow diagram of a secure transaction 100 and corresponding storage of a digitally signed receipt 150 in accordance with this invention.
  • a seller 20 provides an offer of sale 110.
  • This offer 110 may be an advertisement in a newspaper, at a web-site, on a radio or television program, and so on.
  • the offer 110 may also be an implicit offer.
  • Copending U.S. patent application "Method and System for Purchasing Content Related Material", U.S. serial number 09/498,261, filed 3 February 2000 for Nicholas Mankovich, Michael Epstein, and Toine Staring, attorney docket US000036, discloses a method and system for purchasing items related to material being received from a broadcast, such as a song or advertisement being received by a radio.
  • Activating a "buy button" while the material is being broadcast effects the purchase of the item being broadcast, such as a song, or an item associated with the broadcast, such as the item being advertised.
  • the broadcast of the song constitutes an offer of sale of the song by the party to whom the purchase request is sent.
  • Other means of conveying a willingness to accept a purchase request are common in the art.
  • a buyer 10 initiates a purchase request 120, via a transaction device 200.
  • This transaction device 200 may include an appliance such as a radio, television, set-top box, and the like, that is equipped with the aforementioned "buy button" of the referenced copending patent application.
  • the transaction device 200 may be a computer that includes an application program that facilitates on-line purchases from the
  • the transaction device 200 may also include a personal "swipe machine” that the user uses to "swipe" a credit card to effect a purchase; this swipe machine may be attached to a conventional telephone, a fax machine, a computer, a set-top box, and so on.
  • the transaction device 200 may be a conventional telephone with a capability of distinguishing transaction information, as discussed further below.
  • the transaction device 200 effects the purchase request via a "secure socket", that verifies the participants to the transaction.
  • the buyer is assured that the party at the other end of the communication is the identified seller, and/or an authorized agent of the seller, and the seller is assured that the buyer is authorized to effect the transaction, via, for example, the use of a user-name and PIN (Personal Identification Number) or other identifier of the buyer, such as a valid credit card number and expiration date.
  • PIN Personal Identification Number
  • Other devices and techniques that facilitate the execution of a secure purchase request by a user are common in the art, and the application of this invention to such devices will be evident to one of ordinary skill in the art in light of this disclosure.
  • the seller 20 receives the purchase request 120, and if the request is acceptable to the seller 20, the seller 20 transmits a receipt 130.
  • the purchase request 120 may include a "reverse-bid" offer wherein the buyer communicates an offer to pay a given amount for an item to one or more sellers of the item, and the transaction continues with the first seller that is willing to accept the offered amount.
  • the receipt 130 is communicated to the buyer 10 in an electronic form that can be processed directly by the transaction device 200, without intervention by the buyer 10.
  • the receipt 130 is assumed herein to be the "final receipt" of the transaction 100.
  • the response from the seller 20 is considered a counter-offer, or a new sales offer 110.
  • the "receipt" 130 represents the buyer's and seller's mutual acknowledgement of the purchase.
  • the receipt 130 could be a voice recording of the seller's acknowledgement of the purchase during a telephone transaction.
  • the user's telephone would be configured to initiate the recording upon command by the buyer 10, or, if standards are established, could be triggered by a signal embedded in the telephonic signal, and so on.
  • the receipt 130 contains a reliable identifier of the seller 10, and a verification that the receipt 130 was received via a secure socket with the seller.
  • the transaction device 200 is configured, in accordance with this invention, to digitally sign the receipt 130, and to store this digitally signed receipt 150 in a data base 160 for subsequent retrieval if necessary.
  • This digitally signed receipt 150 may contain ancillary information, such as the date and time of the reception, or other items that facilitate a retrieval of the information, or that facilitate a further verification of the receipt.
  • the transaction device 200 signs the receipt 130 using a private key 201 that is secret to the device 200, thus creating a signed receipt 170.
  • this private key 201 is a private key of a public-private key pair that is allocated to the transaction device 200 by the manufacturer of the transaction device 200.
  • the manufacturer also provides the transaction device 200 with a digitally signed copy of the public key 202 corresponding to this private key 201.
  • the digital signing of the public key 202 serves to verify the transaction device 200 as a "certified" transaction device 200.
  • the transaction device 200 is configured to automatically sign and store the receipt 130, without allowing the buyer 10 to modify the contents of the receipt 130. Using techniques common in the art, the transaction device 200 is also configure to preclude the certification of a receipt 130 if the device 200 has been tampered with.
  • FIG. 2 illustrates an example transaction device 200 in accordance with this invention.
  • the transaction device 200 includes a secure channel transceiver 210 that effects a secure communication between the buyer and seller, such that each party is assured of the other party's identity.
  • a protocol establishes the communication, using for example a user- name, account number, or other identification technique; thereafter, if the communication between the buyer and seller is interrupted during a transaction, the transaction is terminated.
  • the secure channel is initiated upon receipt of a purchase request from a buy device 220 in response to a user input.
  • the seller communicates a receipt 130 via the secure channel transceiver 210, which is presented to the user upon command.
  • a signing device 230 signs the receipt 130, using the private key 201, and stores the signed receipt in a secure storage device 250. Note that because this receipt is communicated via the secure channel transceiver, the seller cannot deny having sent the receipt.
  • a verification device 260 provides a certified receipt 170 of the original receipt 130 upon demand.
  • the "demand" may be a court order, a request from the seller, a request from an arbitrator, and so on.
  • the signed copy of the original receipt 130 is provided, which can be certified by verifying the signature using the transaction device's public key 202. Because the signing device 230 signs the receipt and stores it in a secure storage 240, without user intervention, neither the buyer nor seller can deny its authenticity.
  • a tamper detection device 280 is configured to preclude the generation of the certified receipt 170 if the security of the transaction device 200 is breached.
  • the storage device 250 may be a frangible device that is rendered inoperative if the casing to the device 200 is opened.
  • the verification device can be configured to provide a warning with each certified receipt 170 if a tamper has been detected.
  • the transaction device 200 may also be configured to sign and store other parts of the transaction 100, including an entirety of the transaction 100.
  • the transaction device 200 stores a copy of all of the user's purchase requests 120 in the data base 160, regardless of whether a receipt 130 was received.
  • each communication includes a date-time stamp, to correlate the transaction sequence.
  • the data base 160 can be used to verify the absence of a completed transaction 100, or the absence of a mutually agreed upon set of terms corresponding to a purchase request 120.
  • the data base 160 is configured to prevent the deletion of any signed receipts, or the transaction device 200 is configured to explicitly include an indication in the signed purchase request 120 whether a response was received.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Marketing (AREA)
  • Human Resources & Organizations (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Game Theory and Decision Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Data Mining & Analysis (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

On intègre des capacités de signature de reçu et de stockage de reçus dans des appareils de client qui sont utilisés pour sécuriser des achats ou des accords d'achat. Des décodeurs pourvus, par exemple, d'un bouton «achat» sont configurés de façon à stocker un reçu signé numériquement durant chaque transaction d'achat sécurisée. Des porte-monnaies électroniques qui sont habituellement utilisés sur un ordinateur personnel ou sur un ordinateur de poche pour sécuriser des achats sont configurés de la même façon afin de stocker un reçu numériquement signé correspondant à chaque transaction. Ces reçus peuvent être stockés localement au niveau du dispositif de transaction, ou dans des sites «entrepôt de reçus» sur l'Internet. Chaque dispositif de transaction se voit attribuer une paire de clés publique/privée par le fabricant du dispositif. Le fabricant de ce dispositif de transaction fournit une copie numériquement signée de cette clé publique, de sorte que son authenticité puisse être vérifiée. Lorsqu'une transaction est effectuée, le dispositif de transaction reçoit une copie du reçu d'achat ou de l'accord d'achat, il le signe numériquement et le stocke en vue d'un accès ultérieur. Lorsqu'un différent survient, les reçus numériquement signés ou les accords peuvent être présentés comme preuve de la transaction. Comme ce dispositif de transaction signe automatiquement à réception des informations passant par une connexion sécurisée, ces reçus et ces accords numériquement signés devraient réduire la durée et le coût du règlement des différents en produisant un véritable enregistrement de la transaction.
EP01962818A 2000-07-13 2001-07-03 Systeme d'audit destine au commerce electronique via un appareil de client Withdrawn EP1358528A2 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US61587800A 2000-07-13 2000-07-13
US615878 2000-07-13
PCT/EP2001/007568 WO2002007493A2 (fr) 2000-07-13 2001-07-03 Systeme d'audit destine au commerce electronique via un appareil de client

Publications (1)

Publication Number Publication Date
EP1358528A2 true EP1358528A2 (fr) 2003-11-05

Family

ID=24467172

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01962818A Withdrawn EP1358528A2 (fr) 2000-07-13 2001-07-03 Systeme d'audit destine au commerce electronique via un appareil de client

Country Status (4)

Country Link
EP (1) EP1358528A2 (fr)
JP (1) JP2004506970A (fr)
KR (1) KR20020030112A (fr)
WO (1) WO2002007493A2 (fr)

Families Citing this family (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US9596317B2 (en) 2007-07-07 2017-03-14 Qualcomm Incorporated Method and system for delivery of targeted information based on a user profile in a mobile communication device
US9392074B2 (en) 2007-07-07 2016-07-12 Qualcomm Incorporated User profile generation architecture for mobile content-message targeting
US9203912B2 (en) 2007-11-14 2015-12-01 Qualcomm Incorporated Method and system for message value calculation in a mobile environment
US20090157512A1 (en) * 2007-12-14 2009-06-18 Qualcomm Incorporated Near field communication transactions with user profile updates in a mobile environment
US9330382B2 (en) 2013-01-31 2016-05-03 Wal-Mart Stores, Inc. Method to facilitate an in-store audit after issuance of an electronic receipt

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Publication number Priority date Publication date Assignee Title
US5018196A (en) * 1985-09-04 1991-05-21 Hitachi, Ltd. Method for electronic transaction with digital signature
DE4003386C1 (fr) * 1990-02-05 1991-05-23 Siemens Ag, 1000 Berlin Und 8000 Muenchen, De
US5915022A (en) * 1996-05-30 1999-06-22 Robinson; Rodney Aaron Method and apparatus for creating and using an encrypted digital receipt for electronic transactions
US5739512A (en) * 1996-05-30 1998-04-14 Sun Microsystems, Inc. Digital delivery of receipts
FI973788A (fi) * 1997-09-25 1999-03-26 Nokia Telecommunications Oy Elektroninen maksujärjestelmä
WO1999022327A1 (fr) * 1997-10-24 1999-05-06 Penware, Inc. Methode et systeme de reception electronique automatisee de transactions
EP0940945A3 (fr) * 1998-03-06 2002-04-17 AT&T Corp. Procédé et dispositif de certification et de sauvegarde sécurisée de documents électroniques
JP2000036000A (ja) * 1998-06-30 2000-02-02 Sun Microsyst Inc 電子商取引における中立的立会人
AU1215000A (en) * 1998-10-27 2000-05-15 Receipt.Com, Inc. Mechanism for multiple party notarization of electronic transactions

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See references of WO0207493A2 *

Also Published As

Publication number Publication date
JP2004506970A (ja) 2004-03-04
WO2002007493A2 (fr) 2002-01-24
KR20020030112A (ko) 2002-04-22
WO2002007493A3 (fr) 2003-08-28

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