FR2804229A1 - Method of customer identification and payment by excluding use of customer attributes if third party acquires them during transmission since it has only single unique validity - Google Patents

Abstract

A set of is provided to a customer's by an issuing body (1) that keeps its copy. The customer (3) uses these attributes for are on line payments using smart cards. The attributes are communicated over a communication line to a merchant (4). If during its transmission on line and the attribute is corrupted or misused then it discarded. If a third party acquires the attribute during the transmission it does not operate since it has only a single unique validity.

Description

 DESCRIPTION The present invention relates to è. As a new industrial product, a method of identifying an entity and secure online payment, for internet, minitel, cable, fax or any means of communication or data transfer.

We already know the smart cards that are subject to a card number and a PIN number.

These cards are also used to make online payments via a card reader to connect to a computer. These numbers are transmitted encrypted, but many people think that this method is not reliable because of the limited complexity of encryption imposed by law.

In addition, being secure with respect to the transmission of these numbers does not secure its fraudulent use or its communication by. the receiver.

Likewise, once the payment is received, there is no guarantee to the customer that the merchant will send the merchandise to him or that it complies with his order, while the merchant agrees to invoice the merchandise only after delivery. has no guarantee of being settled later.

There remains the sending of merchandise for reimbursement, but statistics show that this method is very popular, because too complex and too storytelling. The present invention aims to remedy these disadvantages and relates to a method which consists in assigning not a number to a payment medium, but a series of numbers or signs.

The invention will be better understood with reference to the description below and to the accompanying drawings, in which FIG. <B> 1 </ B> is a block diagram of the first step of said method and relates to adhesions to said emitter.

Fig. 2 is a block diagram of the method in order of operation.

Thus, a payment agency or issuer is constituted and three types of players adhere to it, namely - customers - traders - carriers.

The issuer then sends forms to its stakeholders to collect their membership and contact information, and their bank account details.

In the case of clients, the issuer also receives a debit authorization or other means of direct debit.

After the return of said memberships, information and authorizations, the issuer then has a database that allows him to function as a trusting and federating third party. TO <B> MAKE A </ B> PAIE1IENT: At the end of an online purchase, the merchant presents the bill on the customer's screen and asks him how he wants to pay.

The customer then informs him that he pays through the issuing agency, and then introduced into the reader of his computer said payment medium in the form of a floppy disk or a CD Rom.

I1 then appears on the screen of the customer's computer an icon called PAY.

The client then clicks on this icon PAY and the operation is completed for the client.

Said click has had the effect of taking one of the signs of the series present on the payment medium and transmit it online to the merchant whose computer immediately returns online said sign on the computer of said issuer which even compares said sign with the duplicates it stores in memory and then identifies and invalidates it on the field and returns the information to the merchant to confirm or deny the client's identity.

At the same time, he sends to the customer's bank a request for a deduction for the amount the merchant has sent him.

If the said sign is valid, the issuer collects the said amount or blocks it by compensatory amount and then gives the green light to the merchant to. that the latter can proceed to the dispatch of the comm'ted merchandise. After delivery, the carrier confirms it to the issuer who then releases the payment to the merchant after having, however, waited until the legal period for the return of the merchandise has elapsed.

 In the event that the said merchandise has been refused by the customer and returned to the merchant, the said amount is returned to the customer.

 the issuer's computer still governs all transactions between each of the actors.

Thus, by consulting said computer linked to the Internet or other means, the customer can know the progress of his orders so he can know if the carrier has already removed the goods, if the issuer has already given his green light, if the merchant has already been settled, if he himself has already been debited, if the returned merchandise has already been returned, to which data his order was cleared.

Similarly, the merchant can also know the various information that concern him, as well as the carrier.

 Equipped with these prerogatives, the issuer can avail itself of a perfect transparency at the service of its users and to be in a position of federator to encourage a good deontology of online commerce.

The chronological sequence of the present process is visualized in the accompanying drawings of which (1) represents the issuing body, (2) represents the customer, (3) represents the merchant, (4) represents the carrier, (5) represents the merchant bank, client, (6) represents the bank of the cormimerçant.

D <B> AN </ B> A FIRST TIME, the issuer (1) sends forms (2) to customers, merchants (4) and carriers (5) - The form intended for customers also includes the said support of payment.

 DAIJS A SECOND TIME, recipients of these forms who wish to join the issuer, return these forms completed by their identity, contact details and bank account details.

From that moment, the transmitter becomes operational.

DA <B> N </ B> AT A THIRD TIME, the customer sends the merchant one of said signs: as well as its coordinates (6) and the merchant retransmits this information (7) to the issuer.

 IN MT FOURTH TIME, the issuer (1) verifies the validity of the information thus received, immediately invalidates it and if it is positive, submits a request for payment of the amount corresponding to the bank (8) of the customer.

 IN A FIFTH TIME, the customer's bank credits (9) the issue to the issuing agency. Upon receipt of said credit, this issuer gives the green light to the merchant. IN A SIXTH TIME, upon receipt of the green light (1o @), the merchant sends the goods (11 ordered via a member carrier.

 IN A SEVENTH TIME, the customer receives the goods and the carrier transmits (12 a copy of the delivery note to the issuer which records the delivery date.

 IN AN EIGHTH TIME, once the legal period of return of the goods has passed, the issuer transmits 13) the regulation in question to. the merchant's bank and files the file.

 oOPITRTFP-IPS: if the customer returns the goods within the legal deadlines, he must appeal to a member carrier and the latter is required to send a copy of the delivery note of this return to the issuer.

receipt of this delivery note, the organization reimburses the customer for the amount in question and informs the merchant.

The present invention has considerable advantages over what currently exists in terms of securing online payments.

 Thus, it makes unnecessary any attempt to pirate online, or fraudulent use of said signs after transmission.

the signs that are transmitted according to the present method, have an ephemeral life, since they are valid only the time of their transmission online, the customer to the merchant and the merchant to the issuer and each payment it is another sign of the so-called series that is transmitted to traders. Indeed, said signs are identified as soon as they arrive at the transmitter and then recorded and finally invalidated.

 Between the top of sending the sign by the client and the top of invalidation of the same sign by the issuer, it has passed a fraction of a second.

If these signs. had been pirated during this transmission, either by the merchant or by an outside party, their use would be null and void by the issuer.

On the other hand, said payment medium that said customer introduces into his computer to make a payment is still provided with a 'Software which transmits at the same time as said sign, the coor data of said customer which said merchant needs, for ensure delivery and thus avoid the customer always tedious and long handling of the keyboard of the computer.

Finally, the absolute security thus obtained enables the issuer to guarantee the successful completion of online transactions via its intermediary. The present invention is not limited to the above description and can include many arrangements, without: departing from its scope, and on said payment medium, can be introduced all kinds of software or information to facilitate its implementation, as well as an access code number. The software may include empty box memories that can be completed by adding signs to existing signs.

This addition can be done by using the keyboard of the customer's computer or downloaded by said issuer.

Said software may also include arrangements for including the amount of the order in said sign, amount not understandable by a third party who does not have the key.

The customer's details, such as the address, are not transmitted to the merchant during the online payment by the customer, but by the issuer.

 Signs are: numbers, numbers, letters, words; images, symbols or 'The combination of some. or all of these things.

The entity is a natural person or a legal person, an e-commerce client. The communication of said sign is done online, by internet or by minitel or by telephone or by physical means or by material means.

 Said signs are printed on a support and this support is a printed sheet with the said signs, or a magnetic card or a smart card or a hard disk or a floppy disk or a CD-ROM or a magnetic tape or an epron ..

Said medium is a means of payment, said means of payment is governed by said issuer.

Said issuer is a bank or an independent body or organization which federates members who are customers, merchants and carriers and who organize fast means of communication between him and his members and between the members, and this, by computer software . Said software also includes adjustments relating to the formalities to be completed to become members and to support the logistics of said merchants and carriers.

Said software is published on the same support or on four different supports, one for said customer, one for said merchant, one for said carrier and the last for the issuer, itself.

Said issuer is organized to take over the role of a trusted third party between said customer and said merchant. At the end of said online order, the merchant presents the addition on the screen of the customer's computer and the latter then introduces said payment medium which may be a floppy disk or a CD Rom into the corresponding reader. A PA icon appears on the screen. The client then clicks on PAYER and then withdraws the support and the operation is completed; said click has triggered the transmission of said sign to the administrator of said merchant.

Claims (1)

 CLAIMS I 1 @: Online secure identification and payment method characterized in that series of signs are issued in duplicate by an issuer (1) which stores one of said copies in memory and delivers the other copy to an entity identified and listed in said issuer, so that the latter can, by the communication of one of said signs to a third party (), be identified with said issuer by said third party, and in that said issuer compares said sign communicated by the said third party to the said signs which it keeps in memory and in that as soon as the said sign has been identified by the said issuer, the latter records this comparison action and then invalidates the sign and in that each communication with a third party or the same third party, said entity transmits a new sign of said series of signs and in that if the same sign is retransmitted twice in succession, said transmitter r detects said second transmission as invalid because of the comparison of all the signs received by said transmitter with said invalid signs that it has recorded and in that said signs are numbers and that said signs are numbers and what the said signs are letters and in that the said signs consist of both numbers and letters and in that the said entity is a natural person and in that the said entity is a legal person and in that the said natural person or morality is an e-commerce client and in that the communication of said sign is by physical means and in that the communication of said sign is done online and in that the communication of said sign is via the internet and in that the communication of said sign is done by minitel and in that said communication of said sign is done by material means, and in that said signs are ed it is on a support and in that said support is a sheet or a printed circuit board with said signs and in that said carrier is a magnetic card and that said carrier is a smart card and in that said carrier is a hard disk and in that said medium is a diskette and in that said medium is a CD Rom and in that said medium is a magnetic tape and in that said medium is a means of payment and in that said medium of payment dst <I> governed </ I> by said issuer and in that said issuer is a bank and in that said issuer is an independent institution or body and in that said issuer federates members and in that said issuer members are customers, merchants and carriers and in that said issuer develops and organizes means of rapid communication between him and his members as well as between the members and that said means are logic the said softwares also include all the arrangements relating to the forms to be completed in order to become a member and in that said softwares comprise arrangements intended to support the logistics of the merchants and the participating carriers and that the software intended for the customers also includes said signs to transmit to said merchants and in that said software is published on four different media and one of which is intended for the customer, another to the merchant, another to the carrier and the last to the issuer. and in that said issuer is organized to act as a trusted third party between customers and affiliated merchants, and that said issuer is provided with a debit authorization by the customer or another type of authorized direct debit or payment. and in that a payment transaction thus effected via said issuer is done as follows at the end of the online order, the merchant presents the bill on the screen of the customer's computer, the customer then introduces said payment medium which can be a floppy disk or a CD Rom in one of the readers and then appears on the screen here a PAY, the customer click on PAY and then withdraws said support, the operation is completed, and cn that during said click, the software present in said support sends online one of said signs and the coordinates of said customer and in that said trader retransmits online and e n direct the information so received, to the issuer and in that the transmitter retransmits online and live a request for withdrawal from the bank of said customer and in that after receipt of the levy, the issuer notifies online and in direct the merchant and gives him the fire vère for that it sends the ordered goods and in that after the delivery of said merchandise, the carrier informs the issuer and that after receipt said delivery notice, the issuer credit the merchant's bank account.