FR2810134A1 - Payment for goods, etc. offered via the Internet and accessed via an interactive TV with a connection provided by a TV operator in which a banker's card is used for payment via a service access box that also requires PIN entry - Google Patents

Payment for goods, etc. offered via the Internet and accessed via an interactive TV with a connection provided by a TV operator in which a banker's card is used for payment via a service access box that also requires PIN entry Download PDF

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Publication number
FR2810134A1
FR2810134A1 FR0008150A FR0008150A FR2810134A1 FR 2810134 A1 FR2810134 A1 FR 2810134A1 FR 0008150 A FR0008150 A FR 0008150A FR 0008150 A FR0008150 A FR 0008150A FR 2810134 A1 FR2810134 A1 FR 2810134A1
Authority
FR
France
Prior art keywords
operator
payment
internet
individual
card
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.)
Pending
Application number
FR0008150A
Other languages
French (fr)
Inventor
Robert Jean Henri Gastineau
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.)
Individual
Original Assignee
Individual
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
Priority claimed from FR0007316A external-priority patent/FR2810132A1/en
Application filed by Individual filed Critical Individual
Priority to FR0008150A priority Critical patent/FR2810134A1/en
Publication of FR2810134A1 publication Critical patent/FR2810134A1/en
Pending legal-status Critical Current

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
    • H04N21/41—Structure of client; Structure of client peripherals
    • H04N21/418—External card to be used in combination with the client device, e.g. for conditional access
    • H04N21/4185—External card to be used in combination with the client device, e.g. for conditional access for payment
    • 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
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/20—Servers specifically adapted for the distribution of content, e.g. VOD servers; Operations thereof
    • H04N21/25—Management operations performed by the server for facilitating the content distribution or administrating data related to end-users or client devices, e.g. end-user or client device authentication, learning user preferences for recommending movies
    • H04N21/254—Management at additional data server, e.g. shopping server, rights management server
    • H04N21/2542—Management at additional data server, e.g. shopping server, rights management server for selling goods, e.g. TV shopping
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/20—Servers specifically adapted for the distribution of content, e.g. VOD servers; Operations thereof
    • H04N21/25—Management operations performed by the server for facilitating the content distribution or administrating data related to end-users or client devices, e.g. end-user or client device authentication, learning user preferences for recommending movies
    • H04N21/254—Management at additional data server, e.g. shopping server, rights management server
    • H04N21/2543—Billing, e.g. for subscription services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/20—Servers specifically adapted for the distribution of content, e.g. VOD servers; Operations thereof
    • H04N21/25—Management operations performed by the server for facilitating the content distribution or administrating data related to end-users or client devices, e.g. end-user or client device authentication, learning user preferences for recommending movies
    • H04N21/258—Client or end-user data management, e.g. managing client capabilities, user preferences or demographics, processing of multiple end-users preferences to derive collaborative data
    • H04N21/25808—Management of client data
    • H04N21/25816—Management of client data involving client authentication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
    • H04N21/43—Processing of content or additional data, e.g. demultiplexing additional data from a digital video stream; Elementary client operations, e.g. monitoring of home network or synchronising decoder's clock; Client middleware
    • H04N21/438—Interfacing the downstream path of the transmission network originating from a server, e.g. retrieving encoded video stream packets from an IP network
    • H04N21/4381—Recovering the multiplex stream from a specific network, e.g. recovering MPEG packets from ATM cells
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/40—Client devices specifically adapted for the reception of or interaction with content, e.g. set-top-box [STB]; Operations thereof
    • H04N21/47—End-user applications
    • H04N21/478—Supplemental services, e.g. displaying phone caller identification, shopping application
    • H04N21/47805—Electronic banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N21/00—Selective content distribution, e.g. interactive television or video on demand [VOD]
    • H04N21/60—Network structure or processes for video distribution between server and client or between remote clients; Control signalling between clients, server and network components; Transmission of management data between server and client, e.g. sending from server to client commands for recording incoming content stream; Communication details between server and client 
    • H04N21/63—Control signaling related to video distribution between client, server and network components; Network processes for video distribution between server and clients or between remote clients, e.g. transmitting basic layer and enhancement layers over different transmission paths, setting up a peer-to-peer communication via Internet between remote STB's; Communication protocols; Addressing
    • H04N21/643—Communication protocols
    • H04N21/64322—IP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N7/00—Television systems
    • H04N7/16—Analogue secrecy systems; Analogue subscription systems
    • H04N7/173—Analogue secrecy systems; Analogue subscription systems with two-way working, e.g. subscriber sending a programme selection signal
    • H04N7/17309—Transmission or handling of upstream communications
    • H04N7/17318—Direct or substantially direct transmission and handling of requests

Landscapes

  • Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Multimedia (AREA)
  • Databases & Information Systems (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Graphics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Method or payment for goods or services offered via the Internet, in which a cable or satellite TV subscriber pays for goods or services selected using a banker's card introduced into a box that is provided by the TV operator in connection with their provision of TV services. The payment is authenticated by entry of a corresponding PIN number.

Description

La présente invention concerne l'extension du paiement par carte bancaire, et l'utilisation de matériel disposant lecteur de carte bancaire mis en oeuvre initialement pour les seuls besoins règlement des produits et services proposés par le matériel en question : les boîtiers des opérateurs de télévision par satellite ou par câble, tout appareil portable ou fixe : afin de permettre aux particuliers le règlement sécurisé produits ou services offerts par des commerçants sur le réseau mondial INTERNET. The present invention relates to the extension of payment by bank card, and the use of equipment having a card reader implemented initially for the sole purpose of paying for the products and services offered by the equipment in question: the boxes of television operators by satellite or by cable, any portable or fixed device: in order to allow individuals to secure payment for products or services offered by merchants on the global INTERNET network.

Pour être mise en oeuvre, cette invention nécessite des accords commerciaux avec - les organismes interbancaires compétents en terme de règlement par carte bancaire - les opérateurs TV par satellite ou par câble, opérateurs de téléphone portable, ... qui louent ou vendent les boîtiers ou téléphones portables aux particuliers - les commerçants, ou des prestataires de services règlements sur Internet, qui souhaitent utiliser ce nouveau moyen de paiement pour les./produits et services qu'ils vendent par Internet. To be implemented, this invention requires commercial agreements with - the competent interbank organizations in terms of payment by bank card - satellite or cable TV operators, mobile phone operators, ... who rent or sell the boxes or mobile phones to individuals - merchants, or Internet payment service providers, who wish to use this new means of payment for the./products and services they sell over the Internet.

Les règlements effectués sur Internet se font traditionnellement par la fourniture du numéro d'une carte bancaire et d'une date de fin de validité. Les fraudes les plus courantes consistent à donner un numéro de carte qui n'est pas le sien. The payments made on the Internet are traditionally made by providing the number of a bank card and an expiry date. The most common frauds consist in giving a card number which is not his.

Les achats effectués par carte bancaire sur boîtiers numériques, sur les téléphones portables ou autres appareils permettant la saisie d'un code confidentiel sont plus sécurisés et font l'objet d'agréments par les autorités interbancaires. Ce moyen de paiement est surtout utilisé pour les propres services de l'opérateur : les achats de films à la séance sur les boîtiers des opérateurs TV par satellite ou par câble, les achats d'unités supplémentaires sur les téléphones portables. Les différents films services sont identifiés par des numéros de produit, chacun est associé à un prix. Purchases made by bank card on digital boxes, on mobile phones or other devices allowing the entry of a confidential code are more secure and are subject to approvals by the interbank authorities. This method of payment is mainly used for the operator's own services: the purchase of films by the screening on the boxes of satellite or cable TV operators, the purchase of additional units on mobile phones. The various service films are identified by product numbers, each associated with a price.

La présente invention consiste 1. A faire en sorte que les commerçants ayant donnés leurs accords proposent sur leur serveur, lors de l'achat par le particulier sur INTERNET - 1.1 le mode de règlement proposé par cette invention. Par exemple Par carte bancaire depuis un boîtier numérique ou téléphone portable - 1.2 la sélection, s'il y en a plusieurs, de l'opérateur concerné - 1.3 la saisie de l'identifiant du particulier chez l'opérateur concerné, pour les opérateurs Tv il s'agit d'un numéro de carte numérique, pour les opérateurs de téléphone portable il s'agit d'un numéro de téléphone. The present invention consists 1. To ensure that the merchants who have given their agreements offer on their server, during the purchase by the individual on the INTERNET - 1.1 the payment method offered by this invention. For example By credit card from a digital box or mobile phone - 1.2 the selection, if there are several, of the operator concerned - 1.3 the entry of the identifier of the individual at the operator concerned, for Tv operators it is a digital card number, for mobile phone operators it is a phone number.

. A transmettre en temps réel, les informations à un serveur. Les principales informations sont l'opérateur - l'identifiant, précédemment saisi, du particulier - éventuellement un numéro de produit (qui peut être toujours le même exemple 11111111) - le prix du service ou du produit. . To transmit information in real time to a server. The main information is the operator - the identifier, previously entered, of the individual - possibly a product number (which can always be the same example 11111111) - the price of the service or product.

3. A l'aide de sa télécommande ou son téléphone portable, le particulier, la même façon que la commande d'un film, réalise son achat en introduisant carte bancaire dans le boîtier de l'opérateur et en sélectionnant le numéro du produit précédemment donné (par exemple 11111111) ou une fonction particulière et en saisissant son code confidentiel. Le montant de l'achat peut être vérifié visuellement par le particulier- 4. Le serveur transmet en retour l'achat effectué, afin que le commerçant puisse recouvrer le montant auprès des organismes interbancaires.3. Using his remote control or his mobile phone, individuals, the same way as ordering a film, make their purchase by inserting a bank card into the operator's box and selecting the product number previously given (for example 11111111) or a particular function and by entering its confidential code. The amount of the purchase can be visually verified by the individual. 4. The server sends back the purchase made, so that the merchant can recover the amount from interbank organizations.

L'exploitation commerciale optimum de cette invention consiste à définir et mettre en place un (ou plusieurs) serveur INTERNET afin de réaliser tâches numérotées 1.2, 1.3, 2 et 4. The optimum commercial exploitation of this invention consists in defining and setting up one (or more) INTERNET server in order to carry out tasks numbered 1.2, 1.3, 2 and 4.

Claims (3)

REVENDICATIONS 1. Procédé mis en oeuvre dans un système utilisant un boîtier muni d'un moyen de paiement par carte bancaire mis à disposition par un opérateur afin de régler produits et services commandés par un particulier à un commerçant via Internet caractérisé en ce que, lors de l'achat le particulier via Internet le procédé exécute les étapes suivantes - proposition du mode règlement (facultatif), - sélection, s'il y en a plusieurs, de l'opérateur concerné, - saisie de l'identifiant du particulier chez l'opérateur concerné, le plus souvent, il s'agit d'un numéro de carte numérique d'un numéro de téléphone, - transmission (si possible en temps réel) d'information à l'opérateur ou à un éventuel serveur Internet qui peut être chez l'opérateur ou chez un tiers.1. Method implemented in a system using a box provided with a means of payment by bank card made available by an operator in order to pay for products and services ordered by an individual from a merchant via the Internet, characterized in that, when the purchase by the individual via the Internet the process performs the following steps - proposal of the payment mode (optional), - selection, if there are several, of the operator concerned, - entry of the identifier of the individual at the operator concerned, most often it is a digital card number of a telephone number, - transmission (if possible in real time) of information to the operator or to a possible Internet server which can be at the operator or at a third party. 2. Procédé, selon la revendication 1, caractérisé en ce que lesdites informations transmises sont - l'identifiant, précédemment saisi, du particulier chez l'opérateur, - un numéro de produit (facultatif), - le prix du service ou du produit.2. Method according to claim 1, characterized in that said transmitted information is - the identifier, previously entered, of the individual at the operator, - a product number (optional), - the price of the service or product. 3. Procédé selon la revendication 2, caractérisé en ce que le procédé comprend en autre les étapes suivantes - introduction par le particulier de sa carte bancaire dans le boîtier, - sélection du numéro de produit ou d'une fonction particulière, - réalisation de l'achat par saisi du code confidentiel. 9. Procédé selon la revendication 3, caractérisé par l'étape de transmission de l'achat effectué vers le commerçant, éventuellement via le serveur Internet chez l'opérateur ou chez un tiers.3. Method according to claim 2, characterized in that the method further comprises the following steps - introduction by the individual of his bank card into the housing, - selection of the product number or of a particular function, - realization of the purchase by entering the confidential code. 9. Method according to claim 3, characterized by the step of transmitting the purchase made to the merchant, possibly via the Internet server at the operator or at a third party.
FR0008150A 2000-06-08 2000-06-26 Payment for goods, etc. offered via the Internet and accessed via an interactive TV with a connection provided by a TV operator in which a banker's card is used for payment via a service access box that also requires PIN entry Pending FR2810134A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
FR0008150A FR2810134A1 (en) 2000-06-08 2000-06-26 Payment for goods, etc. offered via the Internet and accessed via an interactive TV with a connection provided by a TV operator in which a banker's card is used for payment via a service access box that also requires PIN entry

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR0007316A FR2810132A1 (en) 2000-06-08 2000-06-08 Secure payment method for products and services offered via the Internet by use of a banker's card with the set top boxes provided by satellite or cable TV operators
FR0008150A FR2810134A1 (en) 2000-06-08 2000-06-26 Payment for goods, etc. offered via the Internet and accessed via an interactive TV with a connection provided by a TV operator in which a banker's card is used for payment via a service access box that also requires PIN entry

Publications (1)

Publication Number Publication Date
FR2810134A1 true FR2810134A1 (en) 2001-12-14

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FR0008150A Pending FR2810134A1 (en) 2000-06-08 2000-06-26 Payment for goods, etc. offered via the Internet and accessed via an interactive TV with a connection provided by a TV operator in which a banker's card is used for payment via a service access box that also requires PIN entry

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FR (1) FR2810134A1 (en)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5475585A (en) * 1990-10-01 1995-12-12 Bush; Thomas A. Transactional processing system
EP0690399A2 (en) * 1994-06-30 1996-01-03 Tandem Computers Incorporated Remote financial transaction system
WO1996032702A1 (en) * 1995-04-10 1996-10-17 Smart Tv Co. Interactive smart card system for integrating the provision of remote and local services
WO1998043427A1 (en) * 1997-03-21 1998-10-01 Canal+ Societe Anonyme Broadcast and reception system, and receiver/decoder and remote controller therefor
US5878141A (en) * 1995-08-25 1999-03-02 Microsoft Corporation Computerized purchasing system and method for mediating purchase transactions over an interactive network

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5475585A (en) * 1990-10-01 1995-12-12 Bush; Thomas A. Transactional processing system
EP0690399A2 (en) * 1994-06-30 1996-01-03 Tandem Computers Incorporated Remote financial transaction system
WO1996032702A1 (en) * 1995-04-10 1996-10-17 Smart Tv Co. Interactive smart card system for integrating the provision of remote and local services
US5878141A (en) * 1995-08-25 1999-03-02 Microsoft Corporation Computerized purchasing system and method for mediating purchase transactions over an interactive network
WO1998043427A1 (en) * 1997-03-21 1998-10-01 Canal+ Societe Anonyme Broadcast and reception system, and receiver/decoder and remote controller therefor

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
DROITCOURT J L: "UNDERSTANDING HOW INTERACTIVE TELEVISION SET TOP BOX WORKS... AND WHAT IT WILL MEAN TO THE CUSTOMER", INTERNATIONAL BROADCASTING CONVENTION,LONDON,GB, vol. 413, 14 September 1995 (1995-09-14), pages 382 - 394, XP000562377 *
HERFET T ET AL: "INTERNET-TV - KONVERGENZ VON DIENSTEN UND GERAETEN ?", FERNSEH UND KINOTECHNIK,DE,VDE VERLAG GMBH. BERLIN, vol. 52, no. 1/02, January 1998 (1998-01-01), pages 58 - 62,64, XP000668940, ISSN: 0015-0142 *

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