GB2379525A - Electronic payment authorisation - Google Patents

Electronic payment authorisation Download PDF

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Publication number
GB2379525A
GB2379525A GB0121789A GB0121789A GB2379525A GB 2379525 A GB2379525 A GB 2379525A GB 0121789 A GB0121789 A GB 0121789A GB 0121789 A GB0121789 A GB 0121789A GB 2379525 A GB2379525 A GB 2379525A
Authority
GB
United Kingdom
Prior art keywords
customer
message
authorisation
characters
computer
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Withdrawn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
GB0121789A
Other versions
GB0121789D0 (en
Inventor
Richard Anthony Downning
Raymond Gerard Mccann
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.)
Fujitsu Services Ltd
Original Assignee
Fujitsu Services Ltd
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 Fujitsu Services Ltd filed Critical Fujitsu Services Ltd
Priority to GB0121789A priority Critical patent/GB2379525A/en
Publication of GB0121789D0 publication Critical patent/GB0121789D0/en
Publication of GB2379525A publication Critical patent/GB2379525A/en
Withdrawn legal-status Critical Current

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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
    • G06Q20/42—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
    • 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
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Details of a proposed online transaction are sent to an authorisation computer, the details including the customer ID, a monetary amount to be paid by the customer, and the identity of the payee to whom the payment is to be made. The authorisation computer sends a message to the customer's mobile phone, containing details of the proposed transaction and requesting the customer to confirm payment by supplying a specified, randomly selected, sub-set of characters of a multi-character pass phrase. When the customer replies to the message, the authorisation computer checks that the characters are correct and, if so, authorises transfer of the specified amount from the customer's account to the payee's account. Preferably, the pass phrase is at least 14 characters long, and is a memorable phrase of personal significance to the customer, from which the customer is asked to supply three specified characters.

Description

<Desc/Clms Page number 1>
ELECTRONIC PAYMENT AUTHORISATION Background to the Invention This invention relates to a method and apparatus for authorising electronic payments.
The object of the present invention is to provide a method for enabling customers to make electronic payments to suppliers of goods and services, in a secure and efficient manner.
Summary of the Invention According to the invention, in a method for authorising an electronic payment: (a) details of a proposed transaction are sent to an authorisation computer, the details including an identification of a customer, a monetary amount to be paid by the customer, and an identification of a payee to whom the payment is to be made; (b) the authorisation computer sends a message to a telephone number associated with the customer, the message containing details of the proposed transaction and requesting the customer to confirm payment by supplying a specified, randomly selected, sub-set of characters of a multi-character pass phrase associated with the customer; (c) when the customer replies to the message by supplying the specified sub-set of characters, the authorisation computer checks that the characters are correct and, if so, authorises transfer of the specified amount from the customer's account to the payee's account.
Description of an Embodiment of the Invention One embodiment of the invention will now be described by way of example with reference to the accompanying drawing, which is a
<Desc/Clms Page number 2>
schematic block diagram of a computer system for authorising electronic payments.
The drawing shows a e-commerce (electronic commerce) server computer 10, which hosts an on-line electronic shopping website.
The website can be accessed over the Internet 11, from a customer's personal computer 12, using conventional web browser software. It is also assumed that each customer has a mobile phone 13 which is capable of sending and receiving Short Message Service (SMS) text messages.
The drawing also shows a mobile payment system (MPS) server computer 14, and a banking system computer 15, both of which operate inside a banking system firewall 16. The MPS computer 14 provides an electronic payments service for authorising electronic payments from customers to suppliers of goods and services in a secure manner.
Customers who wish to use the electronic payments service must first register with the service as will be described. The MPS server has a secure database 17, which holds the following details for each customer registered with it: mobile payment ID ; name and address; details of account from which payments are to be made ; mobile telephone number; and pass phrase.
The e-commerce server 10 operates in a conventional manner, allowing the customer to view details of goods for sale, and to select items to place in an electronic"shopping basket". when the customer has selected all the desired items, the customer can proceed to a checkout screen, which lists all the items in the basket and the total payment due. The checkout screen offers the customer a number of options for how the customer wishes to pay. One of the options is"Mobile payment".
If the customer selects the "Mobile payment" option, the ecommerce server 10 requests the customer to enter their mobile
<Desc/Clms Page number 3>
payment ID. It then sends an encrypted message to the MPS server. This message contains details of the transaction, including the customer's mobile payment ID, the amount to be paid by the customer, and the identity of the payee to whom payment is to be made.
When the MPS server 14 receives this message, it retrieves the customer's details from its secure database. It then sends an SMS message to the customer's mobile phone, using the number obtained from the database. This message contains the amount of payment requested, the identity of the payee, and specifies three randomly selected characters of the customer's pass phrase that the customer should supply to authorise the payment. For example, the SMS message might read: "ShopX requests you to pay i99. Authorise with a reply of letters 4,7 and 13 of your pass phrase." (SMS messages are limited to 160 characters).
When the customer receives this message, he or she selects "Reply", and keys in the requested three characters, using the standard telephone keypad lettering. For example, letters"a", "b"and"c"are keyed in by pressing key"2", and so on. The customer then presses"Send"to send the reply message back to the MPS server.
When the MPS server 14 receives the reply message, it checks the three characters against the corresponding three characters of the customer's pass phrase. If they are equal, the MPS computer sends a message to the banking system computer 15, requesting it to transfer the desired amount from the customer's account to the payee's account. Finally, the MPS server sends an encrypted message to the e-commerce server, informing it that the transaction is complete. The e-commerce server will then display the normal"transaction complete"screen to the customer.
<Desc/Clms Page number 4>
If, on the other hand, the three characters in the reply message are not equal to the corresponding three characters of the customer's pass phrase, or if a reply message is not received within a predetermined time, the MPS server sends an encrypted message to the e-commerce server, informing it that the transaction has failed.
As mentioned above, customers who wish to use the electronic payments service must first register with the service.
Conveniently, registration is performed on-line, using a webbased system.
The registration process first requires the customer to provide his or her name, address, mobile telephone number, and details of the account from which payments are to be made-this will normally be a credit card or debit card account.
The registration process then assigns a mobile payment ID to the customer. This is a unique membership number that identifies the customer to the service. As described above, this number is required to be quoted by the payee in order for the MPS server to identify the subscriber and authorise payment.
The registration process then invites the customer to select a secret pass phrase, preferably at least 14 characters long.
Selecting an appropriate pass phrase, which is in reality a long PIN, is an important part of the registration process. The user is guided to select a phrase of meaning only to them, with a strong image associated with it: for example, the second line of a favourite poem. Such a phrase would be easily remembered, and it is also easy for the customer to mentally count through the phrase to find the requested characters.
Preferably, the pass phrase consists solely of the characters "a"to"z"corresponding to keys"2"to"9"on the standard telephone keypad. The keys for"space","*"and"#"are not
<Desc/Clms Page number 5>
used, since they are frequently confused by non-computerliterate people.
The registration system then makes a test run to validate the account, by sending a test message to the customer's mobile phone and receiving the customer's reply. This is needed to ensure that the user has correctly entered the phone number and has remembered the pass phrase, and to demonstrate the messages in a non-threatening environment. If the user gets anything wrong at this stage the system can explain more, check the details and re-run the test.
It can be seen that the method described above ensures that only a portion of the pass phrase is transmitted during each individual transaction. Thus, even if the messages are intercepted, the pass phrase is not revealed, and messages cannot simply be replayed since a different random selection of characters will be requested for each transaction.
It should also be noted that the method described above ensures that the payee does not learn the customer's account details, such as credit card numbers. These details are required only by the MPS server. This introduces an extra safety factor for the customer.
Some possible modifications It will be appreciated that many modifications may be made to the system described above without departing from the scope of the present invention.
For example, instead of using SMS messages, the MPS server may use an interactive voice response (IVR) system. In this case, after retrieving the customer's details from the database, the MPS server would make an IVR call to the user's phone, indicating the amount of payment requested, the identity of the
<Desc/Clms Page number 6>
payee, and specifying three randomly selected characters of the customer's pass phrase that the customer should supply to authorise the payment. For example, the IVR message might say:
"ShopX has requested payment of 99. To authorise the payment, please type characters 4, 7 and 13 of your pass phrase now." The customer would then key in the requested characters, and after a short pause would hear a confirmation message, such as: "Thank you, you have authorised the payment of i. 99 to ShopX" following which the IVR system would hang up.
Because IVR is a voice channel it is possible to add a further level of security by using voice print analysis. Such a system would work by asking the customer to say a particular word after the requested characters of the pass phrase had been correctly transmitted. The word would then be compared with a sample of the word recorded by the customer during the registration process.
Although the example described above was for payments to an online shopping service, the invention could also be used for authorising payments at a POS (point-of-sale) terminal, e. g. in a retail store, or restaurant, or at a vending machine. In addition to payment for goods, the invention can equally be used to pay for services, such as car parking and taxi or other fares. It can also be used to top-up pre-payment accounts, for example for pre-pay mobile phones.
The system described above could also be extended to cover sending of a P2P (person to person) payment by one customer to another subscriber to the mobile payment system.
In another possible modification, the customer's account details are not held on the MPS server. Instead, the MPS server would use the customer's Mobile Payment ID to identify the customer to the Bank computer when requesting a transfer.

Claims (13)

  1. CLAIMS 1. A method for authorising an electronic payment wherein: (a) details of a proposed transaction are sent to an authorisation computer, the details including an identification of a customer, a monetary amount to be paid by the customer, and an identification of a payee to whom the payment is to be made; (b) the authorisation computer sends a message to a telephone number associated with the customer, the message containing details of the proposed transaction and requesting the customer to confirm payment by supplying a specified, randomly selected, sub-set of characters of a multi-character pass phrase associated with the customer; (c) when the customer replies to the message by supplying the specified sub-set of characters, the authorisation computer checks that the characters are correct and, if so, authorises transfer of the specified amount from the customer's account to the payee's account.
  2. 2. A method according to Claim 1 wherein the pass phrase is at least 14 characters long.
  3. 3. A method according to Claim 2 wherein the pass phrase comprises a memorable phrase of personal significance to the customer.
  4. 4. A method according to Claim 1 or 2 wherein the specified subset of the characters comprises 3 characters.
  5. 5. A method according to any preceding claim wherein the telephone number associated with the customer is a mobile telephone number.
  6. 6. A method according to Claim 5 wherein the message sent by the authorisation computer to the customer, and the reply from
    <Desc/Clms Page number 8>
    the customer to the authorisation computer are Short Message Service (SMS) text messages.
  7. 7. A method according to any of claims 1 to 5 wherein the message sent by the authorisation computer to the customer is a voice message generated by an Interactive Voice Response (IVR) system, and the reply from the customer to the authorisation computer comprises the customer's response to the IVR system.
  8. 8. A method according to any preceding claim wherein, when the authorisation computer authorises the transfer of the specified amount, it also sends a message to the payee, informing the payee that the transfer has been authorised.
  9. 9. A method according to any preceding claim wherein the transaction is an e-commerce transaction at a website.
  10. 10. A method according to any of claims 1 to 8 wherein the transaction is a point-of-sale transaction.
  11. 11. A method for authorising an electronic payment, substantially as hereinbefore described with reference to the accompanying drawing.
  12. 12. An authorisation computer for authorising an electronic payment, comprising: (a) means for securely storing details of a number of customers, the details for each customer including a customer identification, a pass phrase, and a telephone number associated with the customer; (b) means for receiving details of a proposed transaction, the details including an identification of a customer, a monetary amount to be paid by the customer, and an identification of a payee to whom the payment is to be made; (c) means for sending a message to the telephone number associated with the customer, the message containing details of
    <Desc/Clms Page number 9>
    the proposed transaction and requesting the customer to confirm payment by supplying a specified, randomly selected, sub-set of the characters of a multi-character pass phrase associated with the customer; (d) means for receiving a reply message from the customer; (e) means for checking that the reply message contains the specified sub-set of characters and, if so, for authorising transfer of the specified amount from the customer's account to the payee's account.
  13. 13. An authorisation computer, substantially as hereinbefore described with reference to the accompanying drawing.
GB0121789A 2001-09-08 2001-09-08 Electronic payment authorisation Withdrawn GB2379525A (en)

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GB0121789D0 GB0121789D0 (en) 2001-10-31
GB2379525A true GB2379525A (en) 2003-03-12

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GB2445181A (en) * 2006-12-23 2008-07-02 George Evans Partial PIN entry for authorisation
GB2450537A (en) * 2007-06-28 2008-12-31 Symbian Software Ltd Identity verification using a subset of identification symbols
MD3964C2 (en) * 2004-07-05 2010-04-30 Bankinter А.О. Method for withdrawal of cash at cash dispensers without a card, by means of a payment order via SMS
WO2010140876A1 (en) * 2009-06-01 2010-12-09 Bemobile Sdn. Bhd. Method, system and secure server for multi-factor transaction authentication
US8041639B2 (en) 2009-01-23 2011-10-18 Vidicom Limited Systems and methods to facilitate online transactions
US8086855B2 (en) 2001-05-16 2011-12-27 Flash Networks Ltd. Access to PLMN networks for non-PLMN devices, and to issues arising in interfaces in general between PLMN and non-PLMN networks
US8117124B2 (en) 2008-05-23 2012-02-14 Vidicom Limited Transferring funds electronically
US8116730B2 (en) 2009-01-23 2012-02-14 Vidicom Limited Systems and methods to control online transactions
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US8131258B2 (en) 2009-04-20 2012-03-06 Boku, Inc. Systems and methods to process transaction requests
US8160943B2 (en) 2009-03-27 2012-04-17 Boku, Inc. Systems and methods to process transactions based on social networking
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US8224727B2 (en) 2009-05-27 2012-07-17 Boku, Inc. Systems and methods to process transactions based on social networking
US8326261B2 (en) 2008-05-23 2012-12-04 Boku, Inc. Supplier funds reception electronically
US8355987B2 (en) 2010-05-06 2013-01-15 Boku, Inc. Systems and methods to manage information
US8412155B2 (en) 2010-12-20 2013-04-02 Boku, Inc. Systems and methods to accelerate transactions based on predictions
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Cited By (56)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8086855B2 (en) 2001-05-16 2011-12-27 Flash Networks Ltd. Access to PLMN networks for non-PLMN devices, and to issues arising in interfaces in general between PLMN and non-PLMN networks
GB2393806A (en) * 2002-10-05 2004-04-07 Simos Symeou Method for confirming authorisation of access to an account
MD3964C2 (en) * 2004-07-05 2010-04-30 Bankinter А.О. Method for withdrawal of cash at cash dispensers without a card, by means of a payment order via SMS
US8725640B2 (en) 2004-07-05 2014-05-13 Bankinter Method for the withdrawal of funds at cash dispensers without a card, by means of a payment order via SMS
AU2007289449B2 (en) * 2006-09-01 2010-08-12 Modica Group Limited A method of online payment authorization, a method of correlating text messages and systems therefor
WO2008026945A1 (en) * 2006-09-01 2008-03-06 Run The Red Limited A method of online payment authorization, a method of correlating text messages and systems therefor
GB2445181A (en) * 2006-12-23 2008-07-02 George Evans Partial PIN entry for authorisation
GB2450537A (en) * 2007-06-28 2008-12-31 Symbian Software Ltd Identity verification using a subset of identification symbols
US8768778B2 (en) 2007-06-29 2014-07-01 Boku, Inc. Effecting an electronic payment
US8326261B2 (en) 2008-05-23 2012-12-04 Boku, Inc. Supplier funds reception electronically
US8116747B2 (en) 2008-05-23 2012-02-14 Vidicom Limited Funds transfer electronically
US8117124B2 (en) 2008-05-23 2012-02-14 Vidicom Limited Transferring funds electronically
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