EP1665184A1 - Procede pour effectuer une transaction electronique - Google Patents

Procede pour effectuer une transaction electronique

Info

Publication number
EP1665184A1
EP1665184A1 EP04765426A EP04765426A EP1665184A1 EP 1665184 A1 EP1665184 A1 EP 1665184A1 EP 04765426 A EP04765426 A EP 04765426A EP 04765426 A EP04765426 A EP 04765426A EP 1665184 A1 EP1665184 A1 EP 1665184A1
Authority
EP
European Patent Office
Prior art keywords
node
network
transaction
service provider
network subscriber
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Withdrawn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
EP04765426A
Other languages
German (de)
English (en)
Inventor
Markus MÜHLBAUER
Stefan Rascher
Ulrich Brunet
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.)
Google LLC
Original Assignee
Brunet Holding AG
Google LLC
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 Brunet Holding AG, Google LLC filed Critical Brunet Holding AG
Publication of EP1665184A1 publication Critical patent/EP1665184A1/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Withdrawn legal-status Critical Current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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F15/00—Digital computers in general; Data processing equipment in general
    • G06F15/16—Combinations of two or more digital computers each having at least an arithmetic unit, a program unit and a register, e.g. for a simultaneous processing of several programs
    • 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
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Definitions

  • the present invention relates to a method for processing an electronic transaction
  • this transaction number or the comparable password is again transmitted to the authorization computer.
  • the authorization computer checks the validity of the transaction number and the comparable password, and then in a seventh step establish or unblock a connection between the data input device and a receiving unit.
  • this document teaches that it is a single-use transaction number or password and that the validity of the transaction number or comparable password is a predefined user time.
  • the inventive method with the features of claim 1 or 2 is used for fast, easy and secure elektonischen transaction execution.
  • the transaction is carried out in two phases, the first phase being the authentication of the customer and the retention of a credit balance (eg purchase price + surcharges), and in the second phase the credit is booked after the service has been provided.
  • a credit balance eg purchase price + surcharges
  • the inventive method enables a uniform transaction process in a plurality of service providers. The access is linked to the transactions and therefore no permanent registration is necessary.
  • the associated service provider node can provide for the billing, and for the service provider nodes has the advantage that the coordinator node decreases their administrative burden and functional effort.
  • a particularly preferred embodiment of the method according to the invention provides the first comprehensive online payment system with variable amounts and a uniform order process without registration, registration or login via all registered network operators.
  • the billing amounts are collected by the service provider to whom the end customer is registered via the next monthly mobile bill or by prepaid card.
  • the steps are carried out: confirming the completion of the transaction from the second network subscriber node via the third communication network to the third network subscriber node; and confirming the completion of the transaction from the third network subscriber node via the fourth communication network to the associated service provider node.
  • the transmission of the identification number and the transaction data and / or the transmission of the entered transaction number from the first network subscriber node to the third network subscriber node takes place indirectly via the second network subscriber node.
  • the transmission of the identification number and the transaction data and / or the transmission of the entered transaction number from the first network subscriber node to the third network subscriber node takes place directly.
  • This has the additional advantage that the second network subscriber node does not receive the identification number or the transaction number, that is, the anonymity is maintained more.
  • the transaction data include a purchase price and a product specification.
  • the second communication network is a mobile radio network or a landline telephone network and the identification number is a mobile phone number or a landline telephone number.
  • the third network subscriber node if the verification or the confirmation of the reservation of the transaction number fails or fails, the third network subscriber node transmits an error message to the second network subscriber node via the third communication network.
  • the verification and identification is performed by an electronic comparison with a table file.
  • the reservation takes place at the expense of an account of the first network subscriber node maintained at the associated service provider node.
  • the third network subscriber node instead of confirming, transmits an error message to the associated service provider node for deleting the reserved credit over the fourth communication network.
  • the second network subscriber node from the third network subscriber node requests the first network subscriber node for a limited number of times for re-entry.
  • the transmission of the transaction number is carried out by SMS.
  • FIG. 3 shows a system diagram for illustrating a network subscriber node network and the data to be exchanged according to a third embodiment of the present invention.
  • FIG. 1 is a system diagram illustrating a network subscriber node network and the data to be exchanged according to a first embodiment of the present invention.
  • step Sl Purchase price, article name, as well as an order number, in step Sl, the user clicks on a so-called number button on the Internet page of the second network subscriber node 2. Subsequently, the second network subscriber node 2 asks him to enter the mobile number (identification number) of the second terminal lb. By inputting and transmitting this mobile radio number from the first network subscriber node 1 to the second network subscriber node 2 via the first communication network in the form of the Internet, the step S1 is completed, i. the electronic payment process (transaction) initiated.
  • the second network subscriber node 2 in the form of the Internet provider transmits the entered identification number, i. the mobile number, and the
  • Transaction data in the form of the product name of the selected mobile phone logo and the purchase price to a third network subscriber node 3 which is a coordinator node, i. which coordinates electronic payment transactions for a plurality of Internet service providers.
  • the transmission takes place in the present case via a third communication network, also the Internet, in step S2.
  • step S3 the third network subscriber node 3 verifies the transmitted mobile number and identifies an associated service provider node 4c of a plurality of service provider nodes 4a, 4b, 4c, Ad registered with it.
  • the service provider nodes are mobile service provider nodes, e.g. XI (4a), X2 (4b), X3 (4c), X4 (4d).
  • the verification and identification in step S3 is expediently carried out via an electronic table file.
  • the third network subscriber node 3 in the form of the coordinator node turns to the determined service provider node 4c, as described below.
  • the third one sends Network subscriber node 3 a corresponding error message to the second network subscriber node 2, whereupon this breaks off the electronic payment process and sends a corresponding message to the first subscriber node 1 via the Internet.
  • This message may represent, for example, a final abort or a request to reenter a valid mobile number.
  • the mobile number entered by the first network subscriber node 1 and transmitted by the second network subscriber node 2 to the third network subscriber node 3 belongs to a service provider node which is not registered with the third network subscriber node 3. Also in this case, a corresponding error message would be generated because the mobile number is indeed valid, but not coordinated by the third network subscriber node 3.
  • the third network subscriber forwards the data over a fourth communications network, e.g. a wired leased line, to the identified associated service provider node 4c in step S4.
  • the associated service provider node 4c checks in step S4a the mobile number to its validity and the credit account of the registered with him first network participant 1 on its credit rating according to predetermined criteria.
  • the user of the first network subscriber node 1 After receiving the transaction number in the SMS message, the user of the first network subscriber node 1 enters the transmitted transaction number in step S7 in the first terminal la, for example by means of the home computer associated keyboard, and transmits them via the first communication network in the form of the Internet to the second network subscriber node. 2
  • step S8 the second subscriber node 2 forwards the transaction number transmitted by the first subscriber node 1 to the third network subscriber node 3 via the third communication network.
  • the transaction number thus transmitted to the third network subscriber 3 by the second network subscriber 2 is verified by an electronic comparison with the transaction number previously generated by the third network subscriber node 3 and temporarily stored.
  • step S9 In the event of failure of step S9 by transmitting an incorrect transaction number in step S8 or S7 or in the case of the expiration of the set time limit, an error message is sent to the second network subscriber node 2 and to the responsible service provider node 4c.
  • the third network subscriber 3 confirms the credit reserved by the associated service provider node 4c to the second network subscriber node 2 and thus enables the continuation of the transaction in step S10 via the third communication network.
  • the product can then be delivered in the form of the ordered mobile phone logo from the second network subscriber node 2 to the first network subscriber node 1, for example by e-mail or by SMS message or by post.
  • the second network subscriber node 2 confirms the completion of the transaction to the third network subscriber node 3 via the third communication network in step S 11, whereupon the third network subscriber node 3 confirms the completion of the transaction via the fourth communication network to the associated service provider node 4c.
  • step S13 the credit of the second network subscriber node 2 reserved for the purchase price plus surcharges on the account of the first network subscriber 1 is transferred to the first network subscriber node 1 via a later mobile radio bill or prepaid card
  • Fig. 2 is a system diagram illustrating a network subscriber node network and the data to be exchanged according to a second embodiment of the present invention.
  • the system structure and the networking correspond to those of the first embodiment shown in FIG. 1. Also, the steps Sl, S2 and S3 are performed in the same way.
  • the second network subscriber node 2 identifies the XI service provider node 4a as an associated service provider node and transmits the verified identification number and the transaction data in step S4 'to the service provider node 4a via the fourth communication network in the form of leased line.
  • step S4'a After checking the validity and the creditworthiness of the credit account of the first network participant 1 at the service provider node 4a in step S4'a the reservation of the credit in favor of the second network subscriber node and at the expense of the first network subscriber node. If the reservation is successful, it is transmitted in step S5 'to the third network subscriber node 3 via the fourth communication network.
  • the associated service provider node 4a generates the transaction number itself in step S6 'and transmits it to the second terminal lb in the form of the mobile telephone of the first network subscriber node via the second communication network - that of the first service provider node 4a corresponding mobile network.
  • step S7 then takes place, entering the transmitted transaction number into the first terminal 1a of the first network subscriber node 1 and transmitting the entered transaction number to the second network subscriber node 2 via the first communication network. Furthermore, the transmitted transaction number is forwarded in step S8'a from the second network subscriber node 2 to the third network subscriber node 3 via the third communication network.
  • the third network subscriber node 3 does not verify the transmitted transaction number because it does not know it, but does not generate it it only via the fourth communication network in step S8'b on to the associated service provider node 4a.
  • the verification of the transmitted transaction number is carried out in this embodiment by the associated service provider node 4a by comparison with the previously generated by him transaction number.
  • step S 10'a an acknowledgment of the verified transaction number to the third network subscriber node 3 in step S 10'a takes place in step S01a, and a confirmation of the third network subscriber node 3 to the second network subscriber node 2 in step S10'b in analogy to step S10 in the above embodiment.
  • step S11 the confirmation of the second network subscriber node 2 to the third network subscriber node 3 with respect to the delivery and the confirmation of the completion of the transaction in step S12 'from the third network subscriber node 3 to the associated service provider node 4a.
  • the demand of the second network subscriber node 2 is assigned to the third network subscriber node 3 against payment of the purchase price. Then the claim of the third network subscriber node 3 is assigned to the service provider node 4c against payment of the purchase price plus a first surcharge.
  • FIG. 3 is a system diagram illustrating a network subscriber node network and the data to be exchanged according to a third embodiment of the present invention.
  • step Sl After determining the transaction data of the purchase transaction, e.g. Purchase price, article name, as well as an order number, in step Sl, the user clicks a so-called number button on the Internet side of the second network subscriber node 2, wherein an Internet page mask of the third network subscriber node 3 is opened, in which the transaction data is already transferred and the first network subscriber node 1 requests to enter the mobile number (identification number) of the second terminal lb m the first terminal.
  • the step S1 ' is completed, i. the electronic payment process (transaction) initiated.
  • the invention can of course be applied to any wired electronic communication network.
  • a point-to-point connection between the network subscriber nodes is not necessarily required, but any physical connection is possible.
  • data set should be understood generally, i. as by any order scheme as belonging together marked data.
  • the invention is of course not limited to payment transactions but to any transactions, i. Operations, applicable.
  • network subscriber nodes can also be implemented directly in the second embodiment and not only indirectly via the second network subscriber node.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • Telephonic Communication Services (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé pour effectuer une transaction électronique, comprenant les étapes suivantes: réalisation (S1) d'un échange de données entre un premier noeud d'abonné (1) et un deuxième noeud d'abonné (2) à un réseau, au moyen d'un premier terminal (1a) du premier noeud d'abonné (1) par l'intermédiaire d'un premier réseau de communication pour fixer des données de la transaction; entrée d'un numéro d'identification d'un deuxième terminal (1b) du premier noeud d'abonné (1) dans un deuxième réseau de communication, différent du premier, par le premier noeud d'abonné (1) dans le premier terminal (1a) du premier noeud d'abonné (1); transmission (S1, S2; S1') du numéro d'identification et des données de transactions par le premier noeud d'abonné (1) à un troisième noeud d'abonné (3) par l'intermédiaire d'un troisième réseau de communication; vérification (S3) de la validité du numéro d'identification par le troisième noeud d'abonné (3) et identification (S3) d'un noeud de fournisseur de services (4c) associé parmi une pluralité de noeuds de fournisseurs de services (4a, 4b, 4c, 4d) enregistrés auprès du troisième noeud d'abonné (3); transmission (S4) du numéro d'identification vérifié et des données de transactions par le troisième noeud d'abonné (3) au noeud de fournisseur de services (4c) associé par l'intermédiaire d'un quatrième réseau de communication; réservation (S4a) d'un avoir fixé par les données de transactions transmises auprès du noeud de fournisseur de services (4c) associé, pour le deuxième noeud d'abonné, (2) et confirmation (S5), auprès du troisième noeud d'abonné (3), de l'avoir réservé par le noeud de fournisseur de services (4c) associé, par l'intermédiaire du quatrième réseau de communication; création (S6) d'un numéro de transaction et transmission (S6) du numéro de transaction par le troisième noeud d'abonné (3) au deuxième terminal (1b) du premier noeud d'abonné (1) par l'intermédiaire du deuxième réseau de communication; entrée (S7) du numéro de transaction transmis dans le premier terminal (1a) du premier réseau d'abonné (1) et transmission (S7, S8; S7') du numéro de transaction entré au troisième noeud d'abonné (3) par l'intermédiaire du troisième réseau de communication; vérification (S9) du numéro de transaction transmis par l'intermédiaire du troisième noeud d'abonné (3) par comparaison avec le numéro de transaction créé auparavant par le troisième noeud d'abonné; et confirmation (S10), auprès du deuxième noeud d'abonné (2), de l'avoir, réservé par le noeud de fournisseur de services (4c), par le troisième noeud d'abonné (3) par l'intermédiaire du troisième réseau de communication.
EP04765426A 2003-09-19 2004-09-20 Procede pour effectuer une transaction electronique Withdrawn EP1665184A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE10343566A DE10343566A1 (de) 2003-09-19 2003-09-19 Verfahren zur Abwicklung einer elektronischen Transaktion
PCT/EP2004/010545 WO2005031667A1 (fr) 2003-09-19 2004-09-20 Procede pour effectuer une transaction electronique

Publications (1)

Publication Number Publication Date
EP1665184A1 true EP1665184A1 (fr) 2006-06-07

Family

ID=34384217

Family Applications (1)

Application Number Title Priority Date Filing Date
EP04765426A Withdrawn EP1665184A1 (fr) 2003-09-19 2004-09-20 Procede pour effectuer une transaction electronique

Country Status (8)

Country Link
US (1) US8756162B2 (fr)
EP (1) EP1665184A1 (fr)
JP (1) JP4747273B2 (fr)
KR (1) KR101122032B1 (fr)
CN (1) CN1853206A (fr)
DE (1) DE10343566A1 (fr)
RU (1) RU2352991C2 (fr)
WO (1) WO2005031667A1 (fr)

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WO2005031667A1 (fr) 2005-04-07
KR20070020187A (ko) 2007-02-20
CN1853206A (zh) 2006-10-25
RU2006112425A (ru) 2007-10-27
US20070271192A1 (en) 2007-11-22
RU2352991C2 (ru) 2009-04-20
US8756162B2 (en) 2014-06-17
KR101122032B1 (ko) 2012-04-12
JP2007506168A (ja) 2007-03-15
DE10343566A1 (de) 2005-05-04
JP4747273B2 (ja) 2011-08-17

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