EP1512096A1 - Electronic means of payment having individually adjustable security features for the internet or mobile networks - Google Patents
Electronic means of payment having individually adjustable security features for the internet or mobile networksInfo
- Publication number
- EP1512096A1 EP1512096A1 EP03714849A EP03714849A EP1512096A1 EP 1512096 A1 EP1512096 A1 EP 1512096A1 EP 03714849 A EP03714849 A EP 03714849A EP 03714849 A EP03714849 A EP 03714849A EP 1512096 A1 EP1512096 A1 EP 1512096A1
- Authority
- EP
- European Patent Office
- Prior art keywords
- payment
- customer
- security features
- electronic means
- seller
- 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.)
- Ceased
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
- G06Q20/38—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
- 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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/383—Anonymous user system
-
- 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
-
- 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
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
-
- 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
- G06Q20/403—Solvency checks
Definitions
- the invention relates to a payment system for cashless payment transactions in electronic networks, in particular the Internet and mobile radio networks.
- the payment system enables a buyer to use a means of payment that he personally created and provided with individual security features.
- Coupled via hardware e.g. Paybox
- Patent specification EP 0 917 120 A2 describes one
- Dialer software takes over the function of the virtual wallet. Payments via this system are not transparent to the customer at all. It is completely based on those supplied by the seller
- Hardware coupled systems such as from Paybox are based on defined processes and can only be executed on certain hardware.
- Laid-open specification DE 100 35 581 describes a two-account system.
- the buyer fills an account and processes the payment via this account using a mobile phone and the Internet.
- the safety devices of the mobile radio are used.
- the task is now to provide an electronic means of payment, which the buyer can provide with his own security properties.
- the buyer or user of the means of payment should check the security features of the means of payment, processes of payment transactions, parties involved in the
- the process consists of two separable processes that are coordinated.
- the first process concerns the generation of the means of payment ( Figure 1)
- the second process describes the use of the means of payment ( Figure 2).
- the process is carried out with the aid of electronic devices over unsecured networks (FIG. 3).
- the customer applies to a bank or similar financial institution (e.g. mail order company) for his electronic means of payment (step 1). This is done by means of a corresponding secure connection over open networks or personally.
- a bank or similar financial institution e.g. mail order company
- the customer requests an electronic means of payment (step 4).
- the customer's creditworthiness has been determined (step 5) and the result has been transmitted to the customer (step 6)
- the customer can determine his security features (step 7).
- the security features are individually defined by the customer and identify the payment transaction process. The customer has the following options:
- this information (the information relating to the business process in a readable form) is packaged in an electronic means of payment.
- the means of payment can receive a reference to a virtual and anonymous account to be set up at the bank or another control system or the customer's specific account details. By setting up an anonymous account, all payments with this means of payment can later be made anonymously, since the subsequent seller cannot gain personal data. In this case, however, the customer has to make a payment into the virtual account or receives the agreed credit line (similar to credit card) from the bank. If this payment is made in cash, e.g. at a machine, so the customer remains anonymous for the bank.
- this electronic means of payment is signed by the bank and transmitted to the customer (step 9).
- the transmission can be via email, data carrier medium (diskette), infrared coupling between two electronic devices or the like. respectively.
- a later seller can check the validity and usability of the means of payment for the specific transaction.
- the customer now has an electronic means of payment on his medium (hard drive of his computer, mobile phone, organizer or other electronic device).
- a program is assigned to the means of payment that enables the use of the means of payment. If this means of payment is to be used several times by the customer, this program requires additional functionalities, e.g. manage the balance, payee, etc.
- the program can e.g. be available in the form of a so-called browser plug-in or as an independent application or as part of the means of payment.
- the entries required before a payment are then made possible by this program.
- the means of payment can be signed and / or encrypted by the customer.
- Open connections can also be encrypted and the program can access a device-side security mechanism such as SmartCard devices, SIM card in the mobile phone or a stored key.
- the means of payment is transmitted to the seller (step 13).
- the seller needs a program that accepts the means of payment and verifies the existing security features (step 14).
- the program may decrypt the encrypted received means of payment and can further realize the following tasks:
- the program determines the validity and coverage of the means of payment by selecting the computer of the supervisory authority named in the means of payment.
- the means of payment is transmitted to the control computer (step 15), which confirms the coverage and possibly the usability of the means of payment for this transaction.
- the seller is provided with further information (step 16).
- the seller evaluates this and decides (step 17) whether he delivers the goods or service under the information provided in the means of payment (customer's terms and conditions) (step 18).
- the money transaction can "take place simultaneously with the delivery of the goods or only after the customer has activated the means of payment (step 19). This avoids payment without a specific delivery of goods, since the customer will only initiate this after receipt of the goods delivery optional activation by the customer, the amount is transmitted to the seller.
- the customer dials into the bank computer of his house bank via a secure connection (SSL).
- SSL secure connection
- These security features are now checked in the bank computer (e.g. maximum amount and period of validity). These security features are packaged in a legible form with bank-specific information (reference to the virtual account to be set up, bank identifier, access information for the bank computer) in the electronic means of payment. After the transfer of the desired amount from the customer's checking account, the means of payment is sent to the customer. The customer also receives the necessary key information so that he can later sign the payment instructions.
- bank-specific information reference to the virtual account to be set up, bank identifier, access information for the bank computer
- the customer now selects the service, receives the price offer from the seller and has to determine his type of payment.
- a corresponding browser plug-in is started.
- the program there determines the access data to the bank computer from the means of payment and has the coverage of the means of payment checked there.
- the bank computer can carry out this check on the basis of the readable information relating to the virtual account and the customer signature.
- the seller releases access to the requested information.
- the seller triggers the transfer from the virtual account to the seller's account by transmitting his bank details to the bank computer.
- the virtual account is reduced by the corresponding amount.
- the same electronic means of payment can be used repeatedly in the same way until the customer's virtual account is exhausted.
- the main advantage of this new type of solution is that the customer or buyer can determine the security features of the means of payment themselves, thereby expanding the functionality of the means of payment.
- the customer can define business processes that determine the validity of the means of payment restrict and thus adapt the security requirement to the customer's ideas. For example, the customer can apply for a means of payment for his children, which, for example, cannot be used to pay for cigarettes and writings harmful to young people.
- the system presented is very easy to use for everyone involved. The necessary steps are specified by the system and can be recorded by average PC users.
- no software is to be installed on the buyer's side.
- a program is installed to support the management of means of payment.
- the program on the seller side realizes the processing of simple processes, the handling of which can be carried out by an average PC user.
- means of payment can be defined that the customer can define for different purposes, but therefore does not have to relearn the processes involved in the definition or handling. In this way, the customer can define means of payment for a friend, which only he or she can use in a specific business or branch (gift voucher). Likewise, he can define a means of payment that has a high maximum value e.g. owns for a car purchase. As a third means of payment, he defines a means of payment for multiple use for payment on the Internet (small amounts). These means of payment will differ primarily in the individually defined security features, which also meet the security needs of the customer. With a high countervalue of the means of payment, the customer will rather accept a high administration effort. In contrast, he will strive for the simplest possible use in the micropayment segment. The processes of creation and use remain the same for all means of payment. ,
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)
Abstract
Description
Claims
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
DE10225711 | 2002-06-10 | ||
DE10225711 | 2002-06-10 | ||
PCT/EP2003/002811 WO2003105033A1 (en) | 2002-06-10 | 2003-03-19 | Electronic means of payment having individually adjustable security features for the internet or mobile networks |
Publications (1)
Publication Number | Publication Date |
---|---|
EP1512096A1 true EP1512096A1 (en) | 2005-03-09 |
Family
ID=29723112
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP03714849A Ceased EP1512096A1 (en) | 2002-06-10 | 2003-03-19 | Electronic means of payment having individually adjustable security features for the internet or mobile networks |
Country Status (4)
Country | Link |
---|---|
US (1) | US7353210B2 (en) |
EP (1) | EP1512096A1 (en) |
AU (1) | AU2003219076A1 (en) |
WO (1) | WO2003105033A1 (en) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20070055635A1 (en) * | 2005-09-08 | 2007-03-08 | Mobitran Llc | Method and apparatus for performing mobile transactions |
US20090055322A1 (en) * | 2007-08-23 | 2009-02-26 | Microsoft Corporation | Removable module in personal handheld devices for personal information exchange |
Family Cites Families (21)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
DE3804618A1 (en) | 1988-02-13 | 1989-08-24 | Klaus Lindenschmidt | Programmable smart card |
US6016484A (en) * | 1996-04-26 | 2000-01-18 | Verifone, Inc. | System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment |
US20040230495A1 (en) * | 1997-04-04 | 2004-11-18 | Mikhail Lotvin | Computer systems and methods supporting on-line interaction with content, purchasing, and searching |
EP0917119A3 (en) | 1997-11-12 | 2001-01-10 | Citicorp Development Center, Inc. | Distributed network based electronic wallet |
US20020004783A1 (en) * | 1997-11-12 | 2002-01-10 | Cris T. Paltenghe | Virtual wallet system |
US7248855B2 (en) * | 1998-09-15 | 2007-07-24 | Upaid Systems, Ltd. | Convergent communications system and method with a rule set for authorizing, debiting, settling and recharging a mobile commerce account |
US9098958B2 (en) * | 1998-09-15 | 2015-08-04 | U-Paid Systems, Ltd. | Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment |
CA2403176A1 (en) * | 1999-04-23 | 2000-11-02 | First Data Corporation | Methods for processing a group of accounts corresponding to different products |
US20020026418A1 (en) * | 1999-07-02 | 2002-02-28 | Adam Koppel | Method for providing pre-paid anonymous electronic debit card compatible with existing network of credit cards |
DE19932149A1 (en) | 1999-07-12 | 2001-01-25 | Giesecke & Devrient Gmbh | System for executing transactions |
DE19938695A1 (en) | 1999-08-14 | 2001-02-15 | Ibm | Method and device for the electronic processing of cashless payments using security modules |
IL134172A0 (en) * | 2000-01-23 | 2001-04-30 | Kabin Dan | Virtual cash limited money card for purchasing, to be used mostly through the internet and communication systems |
US6757719B1 (en) * | 2000-02-25 | 2004-06-29 | Charmed.Com, Inc. | Method and system for data transmission between wearable devices or from wearable devices to portal |
DE10017644A1 (en) | 2000-04-08 | 2001-10-11 | Claus Fischer | Method for transmission of data to be protected in a computer network e.g. intranet or internet, involves encoding of data by an encoding module, with computers interconnected for data exchange according to rules of a transmission protocol |
DE10035581A1 (en) | 2000-07-21 | 2002-01-31 | Michael Goetze | Payment handling method involves short messaging (SMS) or wireless application protocol through mobile telephone and inputting user's account number, and receiving booking number at mobile telephone for confirmation |
DE10040644A1 (en) | 2000-08-14 | 2002-02-28 | Arndt Jablonowski | Data transmitting method for Internet-based payment system, involves sending divided frames of payment data, to processor through two channels using different protocols |
US20020107766A1 (en) * | 2001-02-02 | 2002-08-08 | Antoine Sioufi | Financial instrument certificate purchasing system |
US6971030B2 (en) * | 2001-03-26 | 2005-11-29 | International Business Machines Corporation | System and method for maintaining user security features |
US6965997B2 (en) * | 2001-03-26 | 2005-11-15 | International Business Machines Corporation | System and method for binding and unbinding ticket items with user-negotiated security features |
DE10121726A1 (en) | 2001-05-04 | 2002-11-14 | Giesecke & Devrient Gmbh | Method and arrangement for paying for data offers that can be called up via a data network |
CA2347396A1 (en) * | 2001-05-11 | 2002-11-11 | Webcc Inc. | Method and for secure, anonymous electronic financial transactions |
-
2003
- 2003-03-19 AU AU2003219076A patent/AU2003219076A1/en not_active Abandoned
- 2003-03-19 WO PCT/EP2003/002811 patent/WO2003105033A1/en not_active Application Discontinuation
- 2003-03-19 EP EP03714849A patent/EP1512096A1/en not_active Ceased
-
2004
- 2004-12-09 US US11/008,079 patent/US7353210B2/en not_active Expired - Lifetime
Non-Patent Citations (2)
Title |
---|
None * |
See also references of WO03105033A1 * |
Also Published As
Publication number | Publication date |
---|---|
AU2003219076A1 (en) | 2003-12-22 |
US20050149456A1 (en) | 2005-07-07 |
US7353210B2 (en) | 2008-04-01 |
WO2003105033A1 (en) | 2003-12-18 |
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