GB2385682A - Ordering and payment apparatus - Google Patents

Ordering and payment apparatus Download PDF

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Publication number
GB2385682A
GB2385682A GB0200234A GB0200234A GB2385682A GB 2385682 A GB2385682 A GB 2385682A GB 0200234 A GB0200234 A GB 0200234A GB 0200234 A GB0200234 A GB 0200234A GB 2385682 A GB2385682 A GB 2385682A
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GB
United Kingdom
Prior art keywords
payment
purchaser
station
message
supplier
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Withdrawn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
GB0200234A
Other versions
GB0200234D0 (en
Inventor
Ian James Heyburn Smyth Moore
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
Application filed by Individual filed Critical Individual
Priority to GB0200234A priority Critical patent/GB2385682A/en
Publication of GB0200234D0 publication Critical patent/GB0200234D0/en
Publication of GB2385682A publication Critical patent/GB2385682A/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Withdrawn legal-status Critical Current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
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

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

Abstract

Ordering and payment apparatus and a purchaser payment station 10 incorporating a means to receive information from a supplier/retailer receiving station 12 enabling the purchaser payment station 10 to effect payment to the supplier/retailer through the institution payment station 18 without disclosing the account number of the purchaser to the supplier/retailer. Preferably the purchaser payment station 10 has the capability to predetermine the ability to pay prior to making the commitment to pay, allowing the purchaser to check the availability of finds prior to purchase. The purchaser payment station 10 can be used to make bill payments and can store intelligence in memory in order to make regular payments. The purchaser payment station 10 may also be used to reconcile account statement details between the institution holding the account and the records held on the purchaser payment station 10.

Description

<Desc/Clms Page number 1>
ORDERING AND PAYMENT APPARATUS This invention relates to ordering and payment apparatus to be used to order and pay for goods and services.
Current methods of payments either mainly involve using paper cheques or cards as a method of payment. In the case of paper cheques, there is a delay between the cheque being offered for payment and the confirmation that the cheque will be paid. In addition the cheque payment process is administratively expensive.
While paper cheques can work in a face to face physical retail environment, they are not a suitable mechanism for making payment over new high growth electronic channels, such as the internet. An alternative to a cheque is to use a credit or debit card. In the case of cards, current methods require the disclosure of the paying customer's card or account details to a supplier or third party. Sometimes these details are encrypted however, in many cases they are not. This disclosure creates uncertainty and concern for the paying customer and also creates a risk of future fraudulent use particularly over telephone or electronic channels such as the internet.
In addition to this, the use of credit cards to make payment is administratively expensive for the supplier in the context of the current credit card charges applied to suppliers. While paper cheques are not a suitable mechanism for use over electronic channels, there is also concern about the use of the cards and the risks attaching to disclosing card details. Consequently, for electronic channels such as the internet, this is a potential limitation inhibiting the use of this very powerful medium, In addition, the lack of a suitable cost effective mechanism to make payments over electronic channels such as the internet potentially inhibits the new internet banks in the context of offering particularly, but not only, a current account service.
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*t An object of the present invention is to provide an apparatus which obviates or mitigates the aforesaid shortcomings and disadvantages Accordingly, the present invention is an ordering and payment apparatus comprising a purchaser payment station incorporating a first message generation means to enable a purchaser to transmit to a receiving station of a supplier/retailer a first message comprising an intention to order goods/services, the receiving station incorporating a second message generation means to transmit to said first message generation means a reply message giving details of order references applicable to the order and payment details, the first message generation means then being enabled to transmit to an institution payment station at which the purchaser has an account a second message authorising payment from the purchaser's account at the institution, the institution payment station incorporating a third message generation means to discriminate and either decline to act on the second message or to transmit a confirmation to the purchaser payment station that payment will be made, the purchaser payment station then transmitting a fourth message including confirmation of payment to the supplier/retailer, the institution payment station then effecting payment and the supplier/retailer issuing the goods/services directly or to a location included in the order if the transaction is conducted remotely.
Preferably, the purchaser payment station has the capability to predetermine the ability to pay prior to making the commitment to pay, This enables the purchaser to check the availability of funds prior to purchase.
The purchaser payment station can be used to make bill payments and can store intelligence in memory in order to make certain regular payments.
<Desc/Clms Page number 3>
".
The purchaser payment station may also be used to reconcile account statement details between the institution payment station holding the account and records held on the purchaser payment station.
The purchaser payment station may be a portable dedicated unit or may be incorporated within, for example, a mobile phone or a desktop or portable personal computer or any other device capable of carrying out the above functions.
An embodiment of the present invention will now be described, by way of example, with reference to the accompanying diagrammatic drawings, in which :- Fig. 1 is a block diagram of the components of a purchaser payment station ; Fig. 2A is a perspective view of the purchaser payment station ; Fig. 2B is a plan view of a detail of Fig. 2A ; Fig. 3 is a front view of an alternative purchaser payment station ; Fig. 4 is a flowchart of the relationships and the information flows between purchaser payment station, receiving and institution payment stations ; and Fig. 5 is a modified flowchart as shown in Fig 4.
Referring to the drawings, an ordering and payment apparatus comprises a purchaser payment station 10 incorporating a first message generation means to enable a purchaser to transmit to a receiving station 12 of a supplier/retailer a first message 14 comprising an intention to order goods/services. The receiving station 12 incorporates a second message generation means to transmit to said first message generation means a reply message 16 giving details of order references applicable to the order and payment details. The first message generation means of the purchaser payment station is then enabled to transmit to an institution payment station 18 of an institution offering financial services and at which the purchaser has an account a second message 20 authorising payment from the purchaser's account at the
<Desc/Clms Page number 4>
.. institution. The institution payment station 18 incorporates a third message generation means to discriminate and either decline to act on the second message 20 or to transmit a confirmation to the purchaser payment station 10 that payment will be made, the purchaser payment station 10 then transmitting a fourth message including confirmation of payment to the supplier/retailer, the institution payment station 18 then effecting payment and the supplier/retailer issuing the goods/services directly or to a location included in the order if the transaction is conducted remotely.
Fig. 1 shows schematically the main components of the purchaser payment
station 10 incorporating the first message generation means, namely a small display screen 22, a memory 24, a processor/controller 26. a communications facility 28. a keypad 30 and a security facility 31. The security facility 31 is shown separately for illustrative purposes and uses standard technology. The security facility 31 will at least contain an encryption facility and/or other appropriate security capability. The communications facility 28 will have a mobile data communications capability which will include the ability to access the internet. The communications facility 28 may also contain a capability to communicate with adjacent apparatus (es). The purchaser payment station 10 maintains the capability to access and browse the internet Fig. 2 shows a physical representation of the purchaser payment station 10 in the form of a slim mobile unit resembling a wallet made out of a suitable material, for example a plastics material. The keypad 30 is an alphanumeric keypad with dedicated keys 50 illustrated The number of functions given dedicated keys could be expanded but as shown 51, 52,53, 54 and 55 represent up/down left/right cursor movement, prepayment enquiry, payment transmission, request new batch single payment reference numbers and payment reconciliation respectively. The purchaser payment station10 is hinged with a flap 32 that when opened enables a user to view the display
<Desc/Clms Page number 5>
* screen 22 and operate the keypad 30 An antenna 40 for the communications facility is illustrated. When closed the flap 32 covers the functional parts of the purchaser payment station 10.
An alternative physical representation of the purchaser payment station1 0 is shown in Fig. 3 as a slim mobile unit encased in a suitable plastics case. No flap is provided.
Fig. 4 shows a flowchart of how the apparatus is used to make a payment to a supplier. In a first operation, the connections are internet based between the purchaser payment station 10 of the purchaser and the receiving station 12 of the supplier and between the purchaser payment station 10 and the institution payment station. It is also possible to use the purchase payment station 10 as an ordering and payment apparatus with local wireless connection to a personal computer which is internet connectable to the receiving station 12 of the supplier. The purchaser having identified something that he or she wishes to buy, uses the first generation means of purchaser payment station 10 to access the supplier's details to make the payment.
This may be achieved from the supplier's checkout information. The supplier's details accessed could include the supplier's receiving account number, transaction amount including currency, supplier's name, supplier reference number, and date/time. At a minimum reply message 16 would contain the supplier's receiving account number, the transaction amount including currency and the supplier's reference number.
The purchaser payment station 10 would receive the information. The supplier's receiving account and payment details could be transferred by highlighting the relevant areas on the display screen 22 using the cursor keys 51 in the keypad 30 or input via the keypad 30 or input automatically by the purchaser payment station1 0 if they were delivered in a standard format. The purchaser would initiate an instruction
<Desc/Clms Page number 6>
for payment to the institution payment station 18 by pressing a payment key 53 in keypad 30 or by other suitable means. The purchaser payment station1 0 using the display screen 22 would then request the purchaser to enter a personal identification number (PIN), if used. This would then be encrypted. The purchaser payment station10 would automatically add the purchaser's account number, unique single payment reference number if used, and send in a second message 20 to the purchaser's institution payment station18 for payment. This second message 20 sent by the purchaser payment station 10 to the institution payment station 18 would comprise of the purchaser's account number, the unique single payment reference number if used, the supplier's receiving account number, the transaction amount including currency, the supplier's name, the supplier's reference number, the encrypted PIN if used and the date/time.
The purchaser's institution payment station 18 would then send back a response message 34 which is either an acknowledgement confirming that the payment will be made or a rejection indicating that the payment cannot be made. If the response message is positive, it would also contain a unique institution payment station confirmation identity. The unique institution payment station confirmation identity could, for example be a digital signature.
If the institution payment station18 of the financial institution holding the purchaser's account responds positively with an acknowledgement that the payment will be made the purchaser payment station10 will also send a confirmation message 36 to the receiving station 12 of the supplier through the internet confirming that the payment will be made. The information sent in the confirmation message will consist of the financial institution making and guaranteeing the payment, the unique institution payment station confirmation identity, the transaction amount including currency, the
<Desc/Clms Page number 7>
.. supplier's reference and in addition could contain the supplier's name and date/time As instructed by the purchaser payment station 10, the purchaser's institution payment station 18 sends a payment 38 through a bank payment system 42 to a receiving account 44 of the supplier for the amount requested. The bank payment system 42 will then send the payment 38 to the supplier's receiving account 44 as advised by the purchaser payment station 10. This receiving account 44 is a deposit account only and while details of this account are available to intending purchaser's, no person other than the account holder can withdraw or transfer money out of the account.
Fig. 5 shows as an alternative or additional feature to the confirmation message 36 being sent, the supplier/retailer could access 46 a reference file at the institution payment station 18 which would confirm payment status. The supplier/retailer 12 also has the additional option of waiting for the payment to reach the receiving account 44 prior to despatching the goods or providing the services.
While the above reflects an internet payment transaction, the same technique can be used to make payment in a normal retail physical environment. In this second operation, the purchaser payment station10 would access details of the retailer's receiving account either directly using a wireless connection or through the internet The subsequent payment transaction would be similar to that in the above described first operation with the possible exception that the retailer may additionally access the purchaser's institution payment station18 particularly a reference file held by the purchaser's financial institution in order to confirm payment status. Alternatively, payment confirmation may also be guaranteed by other means, for example using digital signatures to guarantee the payment.
The purchaser payment station 10 also has the capability to make bill payments. The purchaser payment station10 would operate in a similar manner to that
<Desc/Clms Page number 8>
.. in the first operation. Supplier's details for regular bill payments could be stored in the memory 24 of the purchaser payment station10 in order to speed up the payment process. The bill payments may be, for example electricity or telephone. These supplier details would be accessed in order to pay the appropriate bill payment.
Otherwise the purchaser payment station10 would operate as previously described and shown in Fig. 4.
The purchaser payment station 10 also has the capability for the purchaser to reconcile payment history by requesting the institution payment station 18 to transfer payment activity using a dedicated key 55 in keypad 30 for comparison with the payment record held in memory 24 Any differences would be displayed on display screen 22.
Although the purchaser payment station is primarily intended for personal purchasing transactions, it could also be used to make and guarantee payments in business to business commerce.
The purchaser has the option of confirming that there is sufficient money to make the payment prior to actioning the request for payment by sending the amount of the intended payment in a prior confirm request to the institution payment station18 using the dedicated key 52 in the keypad 30 The institution payment station18 holding the purchasers'account would respond according to the status of the purchaser's account at that time and the display screen 22 would either confirm or not that there was sufficient money to make the payment or show the account balance available.
The purchaser payment station 10 may also maintain a separate record of the payment in memory 24. This record could contain date/time, unique single payment reference number, payment amount, supplier's reference and the supplier's name.
The purchaser payment station1 0 may be a dedicated unit as described above
<Desc/Clms Page number 9>
-. or may be incorporated within, for example, a mobile phone or a desktop or portable personal computer or any other device capable of carrying out the above functions.
If unique single payment reference numbers are used the purchaser's institution payment station 18 of the institution will need to issue new single payment reference numbers to replace used ones. The institution also has the flexibility to vary the number of reference numbers held at any time and to place a block on any that it may consider compromised. These new single payment reference numbers would be stored in memory 24 in the purchaser payment station 10 and could be requested by pressing the key 54 in the keypad 30 or automatically sent to the purchaser payment station 10 by the institution payment station 18 according to defined rules.
In addition to the inherent security of the design, encryption and other standard security procedures can be used Normal pin security and/or other security identifiers can be used to confirm the identity of the person conducting the transaction.
In the context of the information sent to and from the purchaser payment station10 it is possible that some individual items may not be sent and/or that additional individual items may be sent. The term institution or financial institution where used is not restrictive and can apply to any body capable of carrying out the relevant transaction functions.
Variations and other modifications can be made without departing from the scope of the invention described above.

Claims (14)

  1. CLAIMS 1. An ordering and payment apparatus comprising a purchaser payment station incorporating a first message generation means to enable a purchaser to transmit to a receiving station of a supplier/retailer a first message comprising an intention to order goods/services, the receiving station incorporating a second message generation means to transmit to said first message generation means a reply message giving details of order references applicable to the order and payment details, the first message generation means then being enabled to transmit to an institution payment station at which the purchaser has an account a second message authorising payment from the purchaser's account at the institution, the institution payment station incorporating a third message generation means to discriminate and either to decline to act on the second message or to transmit a confirmation to the purchaser payment station that payment will be made, the purchaser payment station then transmitting a fourth message including confirmation of payment to the supplier/retailer, the institution payment station then effecting payment and the supplier/retailer issuing the goods/services directly or to a location included in the order if the transaction is conducted remotely.
  2. 2. A purchaser payment station as claimed in claim I incorporating a first message generation means to enable a purchaser to transmit to a receiving station of a supplier/retailer a first message comprising an intention to order goods/services, a purchaser payment station incorporating a means to receive a reply message from the receiving station of a supplier/retailer giving details of order references applicable to the order and payment details, the first message generation means then being enabled to transmit to an institution payment station at which the purchaser has an account a second message authorising payment from the purchaser's account at the institution, a purchaser payment station incorporating a means to receive a message from the institution payment station either declining to act on the second message or confirming to the purchaser payment station that payment will be made, on confirmation the purchaser payment station then transmitting a fourth message including confirmation of payment to the supplier retailer.
  3. 3. A purchaser payment station as claimed in claim 1 or claim 2 containing the additional capability to attach a unique single payment reference number to the payment.
  4. 4. A purchaser payment station as claimed in claim I or claim 2 containing the additional capability to predetermine an ability to pay prior to making the commitment to pay.
  5. 5. A purchaser payment station as claimed in claim 1 or claim 2 containing the additional capability to make bill payments and to store intelligence in memory in order to make regular payments.
    <Desc/Clms Page number 11>
  6. 6. A purchaser payment station as claimed in claim 1 or claim 2 containing the additional capability to reconcile account statement details between the institution payment station and the purchaser payment station.
  7. 7. The purchaser payment station as claimed in claim 1 or claim 2 as a dedicated unit.
  8. 8. The purchaser payment station as claimed in claim 1 or claim 2 incorporated within another device.
  9. 9. The receiving station of a supplier/retailer and the institution payment station as claimed in claim 1 as dedicated units.
  10. 10. The receiving station of a supplier/retailer and the institution payment station as claimed in claim 1 incorporated within other devices.
  11. 11. A receiving station of a supplier/retailer as claimed in claim 1 incorporating a message enquiry generation means to access a reference file at the institution payment station and an analysis means to confirm payment status.
  12. 12. An institution payment station as claimed in claim 1 incorporating a message generation means to send a second message to the receiving station of a supplier/retailer containing payment status on receipt of a first message enquiry from the receiving station of a supplier/retailer.
  13. 13. An ordering and payment apparatus substantially as herein described and illustrated in the accompanying drawings.
  14. 14. A purchaser payment station substantially as herein described and illustrated in the accompanying drawings.
GB0200234A 2002-01-07 2002-01-07 Ordering and payment apparatus Withdrawn GB2385682A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB0200234A GB2385682A (en) 2002-01-07 2002-01-07 Ordering and payment apparatus

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB0200234A GB2385682A (en) 2002-01-07 2002-01-07 Ordering and payment apparatus

Publications (2)

Publication Number Publication Date
GB0200234D0 GB0200234D0 (en) 2002-02-20
GB2385682A true GB2385682A (en) 2003-08-27

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GB0200234A Withdrawn GB2385682A (en) 2002-01-07 2002-01-07 Ordering and payment apparatus

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Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1134707A1 (en) * 2000-03-17 2001-09-19 Tradesafely.com Limited Payment authorisation method and apparatus
US20010027425A1 (en) * 2000-03-29 2001-10-04 Ncr Corporation Method of and apparatus for facilitating on-line transactions
US6332134B1 (en) * 1999-11-01 2001-12-18 Chuck Foster Financial transaction system
GB2367411A (en) * 2000-07-10 2002-04-03 Garry Harold Gibson Payment system

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6332134B1 (en) * 1999-11-01 2001-12-18 Chuck Foster Financial transaction system
EP1134707A1 (en) * 2000-03-17 2001-09-19 Tradesafely.com Limited Payment authorisation method and apparatus
US20010027425A1 (en) * 2000-03-29 2001-10-04 Ncr Corporation Method of and apparatus for facilitating on-line transactions
GB2367411A (en) * 2000-07-10 2002-04-03 Garry Harold Gibson Payment system

Also Published As

Publication number Publication date
GB0200234D0 (en) 2002-02-20

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