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
  • G06Q20/02—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
  • G06Q20/28—Pre-payment schemes, e.g. "pay before"

Definitions

• the invention relates to a method for performing digital transactions.
• the invention also relates to a computer program comprising program instructions for having a computer execute such a method.
• the invention further relates to a computer adapted to execute such a computer program.
• the invention has for its object to provide a method of the type stated in the preamble, whereby digital transactions can be performed in relatively safe manner within a relatively small-scale closed circuit.
• the invention provides for this purpose a method of the type stated in the preamble, comprising the steps of: A) a purchasing party making electronic contact between a personalized key and a reading device for data stored on the key, B) digitally placing an order with a selling party, C) sending the order and data of the purchasing party via a digital network to a server associated with the selling party, D) the selling party delivering the order to the purchasing party, E) digitally paying the amount due to the selling party for the order by means of a digital bank, and F) digitally debiting at least one paying party for the paid amount by means of the digital bank.
• the application of a personalized key and an optionally personalized reading device prevents or at least counters fraud, whereby digital transactions can be performed in relatively safe manner.
• the amount paid by the digital bank from a plurality of paying parties, or to claim this amount from a paying party other than the purchasing party.
• the method according to the invention is for instance applied in the care sector, where performing of digital transactions is usually realized by rendering services (for payment)
• each paying party i.e. in this case the health insurance concern and the purchasing party, to pay a part of the amount due.
• the reading device can take a personalized form, wherein the reading device is adapted specifically for co-action with the (specific) personalized key, but the reading device can also be a universal reading device suitable for a plurality of keys.
• the key can take a physical and/or digital form and can be of very diverse nature and type.
• the purchasing party has preferably created a digital account with the digital bank prior to the purchasing party making electronic contact between a key and a reading device as according to processing step A).
• the account can then be formed by for instance a current account, into which the purchasing party can deposit a determined credit balance, and wherein the digital bank can optionally provide credit facilities.
• the (balance of the) account then serves as a basis for the digital transaction to be performed.
• digital payment by a digital bank of an amount owed for the order to the selling party according to processing step E) and digital debiting of the purchasing party by the digital bank for the amount according to processing step F) are realized by debiting a credit balance placed by the purchasing party into the digital account.
• the credit balance in the account of the purchasing party at the digital bank can be instantly decreased by the monetary value of the order, whereby the selling party thus (digitally) receives the amount owed by the purchasing party immediately and without delay.
• the method is also provided with a processing step G), comprising of encoding the data relating to the order and the purchasing party before sending the order and data of the purchasing party via a digital network to a server associated with a selling party as according to processing step C).
• a processing step G comprising of encoding the data relating to the order and the purchasing party before sending the order and data of the purchasing party via a digital network to a server associated with a selling party as according to processing step C).
• Encoding of the data relating to the order and the purchasing party according to processing step G) takes place through interaction between the key and the reading device.
• the method is preferably also provided with a processing step H), comprising of decoding the encoded data after sending the order and data of the purchasing party via a digital network to a server associated with a selling party as according to step C).
• the data can then be stored on the server in encoded or in decoded form. Only when stored data are referred to can another decoding step then optionally take place.
• the decoding preferably takes place using the same algorithm as applied in encoding the data for transmitting over the network.
• the method is preferably also provided with a processing step I), comprising of making a connection to at least one selling party associated with the key of the purchasing party before digitally placing an order with a selling party as according to processing step B).
• Digital transactions can thus be performed via a relatively personal and small-scale closed circuit.
• the purchasing party has then obtained a key which only gives access to like-minded selling parties offering goods which correspond to the interests and/or requirements of the purchasing party.
• each order placed digitally with a selling party as according to processing step B) is stored on the server associated with the selling party.
• An advantage of tracking past orders is to create the possibility of analysing the buying behaviour of a purchasing party and to thus obtain some insight into his/her specific interests and/or requirements.
• digital messages associated with the orders stored on the server in the past are sent to the purchasing party after a connection is made to at least one selling party associated with the key as according to processing step H). The selling party can thus respond optimally act to the requirements and interests of a specific purchasing party.
• the method is preferably performed at least partially via the internet. Nevertheless, due to the application of relatively small-scale interest platforms on the internet, a relatively small-scale intranet is in fact created, wherein the advantages is taken of the established basis of the internet.
• the key is formed by a USB key.
• a USB key comprises a unique chip, which chip is provided with personalized data.
• the advantage of the USB key is that it can be plugged in simple manner into substantially any computer, whereby a personalized read device is not required.
• Another advantage of applying the USB key is that digital transactions can be carried out in a relatively safe digital environment.
• the key is formed by a payment card, in particular a chip card.
• the data present on the key are stored in a magnetic strip, which magnetic strip can form part of a payment card. A payment card can thus be produced and issued as key relatively cheaply using existing techniques.
• it is also conceivable to apply other types of key such as for instance a mobile phone.
• a unique body part such as a line pattern of a finger or an iris, wherein the key can further be read in biometric manner.
• a combination of a plurality of (said) keys it is possible to envisage the use of a combination of a plurality of (said) keys.
• the method is also provided with a processing step J), comprising of transmitting the data of the order to a stock control system of the selling party after sending the order and data of the purchasing party via a digital network to a server associated with the selling party as according to processing step D). It is therefore possible to automate a very large part of the stock control system.
• the stock control system can, in addition to activating the delivery of an ordered product, also digitally adjust the size of the stock and optionally replenish stock in fully automatic manner by placing an order by the selling party with a supplier of the sold product.
• delivery of the order by the selling party to the purchasing party according to processing step D) takes place after an amount due for the order is paid digitally to the selling party by a digital bank as according to processing step E). Because of the relatively small-scale network a loyalty or bond usually results between purchasing party and selling party, whereby delivery of the order can take place on a trust basis before any quid pro quo by the purchasing party, i.e. digital payment of the amount due for the order.
• the invention also relates to a computer program comprising program instructions for having a computer execute such a method.
• the computer program is preferably arranged on a physical carrier such as a hard disc, diskette, CD-ROM, DVD and so on.
• the computer program is at least partly stored in a computer memory.
• the invention further relates to a computer adapted to execute such a computer program.
• the computer is herein connected to other computers in order to be able to make connection to the digital bank and a selling/purchasing party.
• the computer is preferably provided with the computer program.
• the computer program is then for instance stored in the memory and/or - optionally via a server - on the hard disc of the computer.
• FIG 1 shows a first embodiment of a system suitable for applying the method according to the invention
• figure 2 shows a second embodiment of a system suitable for applying the method according to the invention.
• FIG. 1 shows a first embodiment of a system 1 suitable for applying the method according to the invention.
• System 1 comprises a plurality of purchasing parties 2, which purchasing parties 2 each dispose of a chip card 3 provided with a chip 4 on which are stored personalized data.
• the data stored on chip card 3 can be read by a unique card reader 5 associated with chip card 3.
• chip card 3, or at least chip 4 makes electronic contact with card reader 5, contact can be made via internet 6 with a server 7 of a specific selling party 8.
• a unique personalized USB key respectively a universal computer can for instance also be used.
• the chip cards 3 used by the purchasing parties 2 are here only adapted to dial into the specific server 7.
• Chip card 3 is therefore also provided with a decorative surface 9 which the purchasing parties 2 will recognize as originating from the specific selling party 8.
• a purchasing party 2 can further place an order for one or more products on server 7 of the selling party 8.
• this order will first be encoded by card reader 4 before the relevant data are sent via the internet 6.
• Server 7 is then provided with a decoding device for decrypting the coded data of the order.
• the order is then immediately transmitted by server 7 to a stock control system 10, whereafter the order can be delivered by a courier service to the purchasing party 2 in question.
• the product which has been removed from the stock is replenished by sending an automatically generated digital order to a supplier 11 of the sold product.
• the stock of the selling party 8 can thus be maintained.
• System 1 is also provided with a digital bank 12, also referred to as loyalty bank.
• Digital bank 12 functions as a financial intermediary between the purchasing party 2 and the selling party 8.
• Each purchasing party 2 has created a digital account with digital bank 12, in which account is (usually) placed a bank balance.
• this bank balance of the purchasing party 2 is instantly decreased by the value of the placed order, to the credit of selling party 8.
• Digital bank 2 will then independently reclaim the transferred amount from the purchasing party 2 who placed the order. All orders placed by purchasing parties 2 can be stored on server 7.
• the selling party 8 it is therefore possible for the selling party 8 to provide the purchasing parties 2 with specific information in accordance with the identified interests and requirements. It is optionally also conceivable that the different purchasing parties 2 can make mutual contact via server 7 in order to exchange information.
• server 7 the system 1 forms a small-scale closed circuit, whereby a certain degree of bonding will generally result between the purchasing parties 2 and the selling party 8 and possibly among the purchasing parties 2 themselves.
• FIG. 2 shows a second embodiment of a system 13 suitable for applying the method according to the invention.
• the system is provided with four purchasing parties 14, 15, 16, 17, which purchasing parties 14, 15, 16, 17 each have available two unique card readers 18,19.
• Card readers 18,19 are each suitable for reading one unique personalized payment card 20, 21.
• Data stored on payment card 20, 21 are stored in the case of payment card 20 in a chip 22 and in the case of the other payment card 21 in a magnetic strip 23.
• 21 contact can be made, via a user interface 24, via internet or any other new or existing network 25, with a specific server 26, 27, 28 associated with payment card 20, 21, of a selling party 29, 30, 31.
• contact can be made with two servers 26, 27 using payment card 20 provided with chip 22 and contact can only be made with one (other) server 28 using payment card 21 provided with magnetic strip 23.
• an order can be sent (encrypted) from the user interface 24 to the specific server 26, 27, 28 and can there be further processed.
• the operation of system 13 corresponds largely with the operation of the system 1 shown in figure 1.
• Server 26, 27, 28 is here also coupled to a stock control system 32, 33, 34 associated with the selling party 29, 30, 31.
• An ordered product can further be written out of the stock present in stock control system 32, 33, 34 and can further be delivered to a central courier service 35 which delivers the relevant product to the relevant purchasing party 14.
• a digital bank 36 forms a financial intermediary in the network of purchasing parties and selling parties.
• the financial settlement of orders can take place on the basis of pre-payment, subsequent payment or instant payment via an account created by the purchasing party 15, 16, 17, 18 with digital bank 36.
• the further operation of digital bank 36 has already been described in the description of figure 1.
• digital bank 36 also provides credit to the purchasing parties 15, 16, 17, 18, it is however important that digital bank 36 possesses sufficient liquid assets to be able to pay without delay the amount to which orders have been placed to the selling parties 29, 30, 31 so as to be able to guarantee continuity of the system 13, or attempt to do so.

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)
• Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Applications Claiming Priority (5)

Publications (1)

Family

ID=29714414

Family Applications (1)

Country Status (4)

Families Citing this family (1)

Family Cites Families (8)

• 2002
  • 2002-12-06 NL NL1022105A patent/NL1022105C1/nl active
• 2003
  • 2003-05-30 WO PCT/NL2003/000407 patent/WO2003102888A1/en not_active Application Discontinuation
  • 2003-05-30 AU AU2003241917A patent/AU2003241917A1/en not_active Abandoned
  • 2003-05-30 EP EP03733625A patent/EP1543482A1/en not_active Withdrawn

Non-Patent Citations (1)

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