RU2303810C2 - Method for personal automatic access to various electronic commerce services and the system for realization of the method - Google Patents

Abstract

FIELD: informational technologies, in particular - method and system for providing individually configured interfaces for paying for goods/services of various electronic commerce providers to users of a network, including the global Internet network.

SUBSTANCE: in accordance to the method, for access of a client to a services, a gate personally assigned to the client is used - programmable service manager. Programmable service manager uses a property of main cashless Internet payment systems, records numbers of wallets and sources of money transfers. User access to programmable service manager is realized during access to service provision manager server. For each user of programmable service manager, a record is created in a database, wherein a biunique correspondence is maintained between the number of user wallet, through which service access is paid for, number of programmable service manager, wallet number of service provider, which are used for initiation of process of selection and activation of a service. Further, for each biunique correspondence, user individually configures a service operation algorithm.

EFFECT: expanded potential community of electronic commerce users, increased level of comfort for ordering services and goods by means of cashless financial operations.

2 cl, 2 dwg

Description

FIELD OF THE INVENTION

The invention relates to the field of information technology, in particular, to a method and system for providing users with a network, including the global Internet, as well as mobile networks, individually configurable interfaces for paying for services / goods of various electronic commerce providers.

State of the art

In recent years, many consumers have realized the convenience and practicality of purchasing goods and services electronically. The user (buyer) usually finds goods and / or services by viewing online ads, such as HTML pages, through a browser (navigation and viewing tool) of the World Wide Web (WWW). Payment is usually made using the electronic wallet of one of the main Internet payment systems (such as Pay Cash, Web Money Transfer, e-GoId, PayPal, E-port, RUPAY, rapid). An electronic wallet is a computer program or an HTML page that can be accessed using personal keys and certificates for a secure channel, such as a connection using secure sockets (SSL - Secure Sockets Layer), which is installed between the buyer and seller terminals. Any electronic wallet has a unique number, and when a transaction is transferred from one wallet to another, the history of the transfer of funds from one wallet number to another number is recorded. In order to gain access to the service selected by the user, it is necessary to transfer money from the user's wallet to the wallet of the service offering services / goods. As a rule, in addition to the procedure for transferring funds, it is also necessary to fill out an electronic access form (usually an HTML form) that forms a request, by which the service for the user is actually activated or an order is generated for the seller to send / ship the goods. However, such a globally accepted method of electronic commerce cannot be considered comfortable and generally accessible due to the need to constantly fill out electronic access forms, the inability to create an individual subscription to packages of preferred services / products, the need for on-line Internet access using browsers that support SSL, or the need to use specific operating systems (for example, an electronic wallet of the Yandex money system can only function in the MS Windows environment).

To eliminate a number of limitations of standard payment systems, a number of mobile payment services (Telepath, СМР, SMSpay and others) have been introduced that do not fully solve the above problems. One of the main disadvantages of such systems is the impossibility of simultaneously providing a large number of service / product providers, the lack of a method that allows the user to independently create individual subscription options for packages of preferred services / products.

In the publication of the application for the invention EP 1164515 A1 of 12.19.2001 (the closest analogue of the invention), a method of payment for goods / services in a communication network is disclosed. The method of payment for goods / services suggests creating for the user using the server of the automatic catalog of goods / services a personal product / service identifier (ID) that is uniquely associated with the characteristics of the product / service and the address of his / her provider, then the ID is transmitted to the user and the server of the payment system ( automatic money transfer module). When a user presents an ID (via a communication network) to a payment system server, they request a product / service through the server of an automatic catalog of goods / services and activate the money transfer procedure (payment for a product / service). This method provides convenience for the user, since if he decides to purchase a product / service, it is enough to transfer, via any available communication network, the ID to the payment system server so that the transaction process is activated. Moreover, if there are funds deposited by the user on the payment system server, the entire transaction process can be reduced to a simple transfer of ID. However, the following disadvantages of this method are obvious.

ID transfer does not cancel the procedure for transferring funds between the user and the service / product provider, and this transfer can be quite a difficult event for the user (in other words, there will be service / product providers that are relevant to the user, but not supported by a system that implements a payment method, due to the specificity of their payment system). The proposed server option for an automatic catalog of goods / services provides the user with a choice of already predefined properties (attributes) of goods / services, which also reduces the effectiveness of this method for the user, as a number of goods / services (such as IP-telephony, IP-television, utility bills services over the Internet) involves individual settings.

Thus, it is clear that we need a new system for providing access to heterogeneous e-commerce services, simplifying the process of interaction between the user and the various interfaces offered by service providers. This service can be provided by transforming and adapting various interfaces to a uniform, intuitive interface of a certain intermediate gateway that automatically performs the routine tasks of filling in frequently used access forms, systematic presentation of information about services and the formation of individual, optimally configured for specific users, subscription packages for services. This system should integrate well with various existing Internet payment systems (e-wallets) and other services from various providers, which should lead to an increase in the number of users of e-commerce services.

SUMMARY OF THE INVENTION

To overcome the above-mentioned disadvantages of the prior art, a method is proposed for providing electronic communication network users with automatic access to heterogeneous electronic commerce services through an information system that includes a server for service delivery managers (SMPU), which creates a personal gateway for each user - a programmable service manager (PMU) . The functioning of the PMP is based on the property of common payment systems to provide unique numbering of electronic wallets, as well as to record the source wallet number (that is, the number of the electronic wallet from which the funds were transferred) upon completion of the money transfer transaction.

The method of access to e-commerce services is implemented as a result of the sequential implementation of three stages:

a) registration at the SMPU,

b) activation of the service provider's interface (ISP) by contacting the PMP (transferring funds from the user's electronic wallet to the PMU electronic wallet, with the numbers recorded during registration),

c) consumption of the service / product.

In the proposed method, the PMP is created in the process of user registration on the SMPU, where an unambiguous relationship is recorded between the electronic wallets of the user (Figure 1), the PMP and the service provider, and the corresponding electronic access form is proposed by the service provider interface (IPP). Additionally, it is possible to fix the correspondence with other identifiers that uniquely identify the user (passport number, phone number, biometric identification code, selected / assigned pin code, passphrase, barcode, magnetic / radio / chip access card code). As a result of registration, it turns out that the electronic wallet of the PMU with respect to the user's electronic wallet uniquely identifies (addresses) a certain service, moreover, with a pre-filled electronic access form.

The main way to activate an IPP, in which a request to an IPP is executed through the PMP in order to start providing a service / product, is to transfer a certain amount from the user's electronic wallet specified during registration to the PMU electronic wallet.

To simplify access to the services / goods consumed by the user, the PMU functions as a gateway between the ISP and the user interface (IP).

The described method of access to e-commerce services allows you to integrate and personalize Internet services offered by various service providers, such as IP-telephony, IP-television, access to information on paid sites, payment for utilities, payment for mobile operators, hotel reservations, ordering all kinds of tickets. At the same time, a user does not have to have a collection of electronic wallets of payment systems in order to gain access to services that are relevant to him (but he must have at least one e-wallet from payment systems supported by PMU), he should not keep in mind the features of the settings of various interfaces of service providers, he just remember which electronic wallet you need to transfer to in any convenient way (for example, via the Internet, postal order or via mobile payment system) a sufficient amount of e The equivalent means. The service is provided to the user immediately in the form and with the parameters that he himself selected / set during registration at the SMPU.

Compared with the methods of accessing various Internet services offered by mobile payment system providers (such as Telepath, SMS pay, CMP), the described method allows providing access to almost any services / goods offered via the Internet, without restrictions imposed as payment systems, on which these services are built on, as well as restrictions associated with the features of specific technical implementations of interfaces that are rigidly set for the user.

In order to exclude the possibility of fraud by fraudsters when using the described method of access to services, for example, such as faking (re-registering) the services of a legitimate user "for themselves", a restriction may be introduced into the system in that any modification of the records recorded in the SMPU database during registration impossible.

There are a number of services (for example, paid access to downloading files of books, pictures, music), for which the PMP offers the user a link to the direct use of the provider's interface (Figure 1) (9), this interface can be, for example, FTP or HTTP server.

One of the options for a terminal for manual data entry is a personal computer, while the user interface is formed in the form of HTML pages loaded into a browser through a computer network, in particular the global computer network Internet.

As the terminal of a mobile electronic communication device, a mobile phone or PDA may be used with access to a computer network that supports displaying information received from a computer network, inputting text information and transmitting it to a computer network, and access of such a device to a computer network can implemented in accordance with WAP (Wireless Application Protocol) or GPRS (General Packet Radio Service).

For the activation stage of the service, which involves the preliminary deposit of the user's money in the PMU electronic wallet, the sending of a pre-agreed (possibly even empty) SMS to the telephone exchange can be used, which in this case will serve as an integral part of the interface coordination module (5) as part of the IMP (Fig. .one). The service is activated upon successful comparison of the telephone number of the user who sent the SMS and the telephone number recorded in the database associated with the correspondence master record (electronic wallet numbers of the user, PMP, service / product provider, as well as a pre-filled electronic access form).

The step of activating the service can be implemented when the user dials from his phone to the number of the telephone exchange, which can be part of the PMU. The service is activated upon successful determination and comparison of the user's telephone number with the telephone number recorded in the database. The service can also be activated when a user dials from any telephone and sends a tone-based set of conditional messages together with one of the identifiers recorded in the database.

A conditional message can be a parameter that modifies a pre-filled electronic access form (such as the amount of the utility bill, the route for buying a ticket for transport, the range of seats in the cinema).

Preferably, the user interface is implemented as Java 2 Micro Edition (J2ME) applications downloaded to mobile devices, such as cell phones and PDAs.

To transfer funds between electronic wallets, the procedures of common electronic payment systems of the Internet are used (such as Web Money Transfer, Pay Cash, E-gold, PayPal, E-port, RUPAY, rapid). In this case, the PMU electronic wallet can be formed from several interacting automatic modules (interfaces) of money transfer of various payment systems.

In some cases, cryptographically protected messages containing records about the amount of transfer are used to transfer funds between the individual entrepreneur and the electronic wallet of the PMU.

Description of the proposed system

A system for personal automatic access to heterogeneous e-commerce services, containing (FIG. 2) SMPU (15), connected by means of gateway interfaces of communication operators with the IP user interface (10) and IPU service provider interface (12), characterized in that each entry from the server database (14) uniquely corresponds to a specific implementation of the PMU (11). In turn, the PMU consists (Fig. 1) of an interface matching module (5) that interacts with the input and output of a service manager’s electronic wallet (2) and an automatic request generation module for a service provider (8), while the interface matching module operates as a bi-directional gateway between the user interface for accessing the service (4) and the service providing interface (6) of the service provider. The PMU electronic wallet (2) serves as a gateway between the electronic wallets of the user (1) and the service provider (3), and the PMU electronic wallet (2) may consist of several automatic wallet management modules, one or more selected for conducting money transfer transactions, Internet payment systems. Templates for automatic generation of requests to the service delivery interface are set by the user through the interfaces for generating a personal service package (7) and the module for automatic generation of requests for a service provider (8).

To ensure the possibility of using the described system by a population of people who do not have personal computing facilities or mobile communication devices, IP system terminals can be implemented in the form of automatic or semi-automatic kiosks installed in public places. These kiosks forming the IP terminal must have at least display and keyboard modules.

One of the popular e-commerce services is the replenishment of accounts of various Internet payment systems, which can be easily supported by installing kiosks, which are IP terminals of the described system, in places of retail sale of goods / services. In this case, it is advisable that the IP has an interface to a cash register machine (cash register). Another way to increase the comfort of topping up accounts using this system is to include in the IP a device for automatic collection of cash (bill acceptors, coin acceptors).

To simplify the input of personal data for individual IP implementations (which are part of automatic kiosks), a barcode scanner module can be used (the barcode itself can be printed, for example, on receipts for utility bills or transmitted as images to mobile communication devices as MMS).

Entering personal data into the system’s IP can be greatly simplified by completing the technical implementation of the system with read / write modules for magnetic, radio or chip access control cards, as well as biometric identification modules.

To document the operation of the system, a number of its hardware implementations may have devices for printing receipts (printer, fiscal registrar).

In private embodiments of the invention, such kiosks for replenishment of accounts, IP can be part of the PMU, which in turn represents a software application running on the equipment of the kiosk.

To increase the comfort level for a user to consume a number of services (such as IP telephony), the PMU provides an interface for consuming the service to the user after dialing (call back) from the telephone exchange (modem pool) of the PMU to the user's telephone / modem / fax machine.

When a user is re-registered with an electronic wallet previously registered on the SMPU, a new version of the PMP is generated with an e-wallet number that does not coincide with the previously allocated number. Each time a user registers with identical parameters, the system assigns new e-wallet numbers to the PMU.

In some cases, in order to increase the flexibility of interaction between the system and the user while ensuring a high level of security (preventing unauthorized use of the system by unauthorized persons), it is allowed to modify entries in the SMPU database when a user visits the company’s office, the owner of the SMPU personally and provides them with documents that uniquely identify him.

Claims (24)

1. A method of personal automatic access to heterogeneous e-commerce services, characterized by the use of a server for service delivery managers (SMPU), which creates a personal gateway for each user - a programmable service manager (PMU), which provides the following steps when interacting with a user: registration, in which there is a fixation (recording in the database / data) of one-to-one correspondence of identifiers (numbers) of the user's electronic wallet, the PMU electronic wallet and the service provider's electronic wallet, as well as filling out the electronic access forms offered by the service provider's interface (IPU), IPU activation, in which, through the PMP, a request is made to the IPP in order for it to start providing the service / product, while the necessary condition for the PMP for the interface activation process is the transfer of a certain amount from the user's electronic wallet to the PMU electronic wallet, service / product consumption, in which the PMP acts as a gateway between the ISP and the user interface (IP). 2. The method according to claim 1, characterized in that it is forbidden to any modification of the records recorded in the PMU during registration. 3. The method according to claim 1 or 2, characterized in that for user consumption of the service / product it is allowed to use not only the PMP gateway, but also the user interface for direct access to the provider's service (IPPD) provided by the ISP. 4. The method according to claim 1 or 2, characterized in that the IP is an HTTP page downloaded from the PMU. 5. The method according to claim 1 or 2, characterized in that the IP is a WAP page for mobile devices, such as cell phones and PDAs, downloaded from the PMU. 6. The method according to claim 1 or 2, characterized in that the PMU generates a request for the provision of services to the ISP, immediately after transferring a sufficient amount of funds from the user's electronic wallet to the PMU electronic wallet. 7. The method according to claim 1 or 2, characterized in that the PMU generates a request for the provision of services to the ISP, after the formation of the control command from the user interface. 8. The method according to claim 7, characterized in that the request for the provision of the service to the ISP is generated after the user sends a previously agreed (possibly even empty) SMS to the telephone exchange, which can be part of the PMU, when the user’s phone number is successfully compared who sent the SMS, with the number fixed in the SMPU database. 9. The method according to claim 7, characterized in that the request for the provision of the service to the ISP is generated after the user dials from his phone to the number of the telephone exchange, which can be part of the PMU, upon successful determination and comparison of the user's phone number with the phone number, recorded in the database, the service can also be activated when the user dials from any phone and sends a tone message conditional message together with one of the identifiers recorded in the SMPU database. 10. The method according to any one of claim 7, characterized in that the conditional message can be a parameter that modifies a pre-filled electronic access form (such as the amount of the utility bill, the route for buying a ticket for transport, the range of seats in the cinema). 11. The method according to claim 1 or 2, characterized in that the IP is implemented in the form of J2ME applications downloaded to mobile devices, such as cell phones and PDAs. 12. The method according to claim 1 or 2, characterized in that for transferring funds between electronic wallets, gateways of common electronic payment systems of the Internet are used (such as Web Money Transfer, Pay Cash, E-gold, PayPal, E-port, RUPAY, rapid). 13. The method according to claim 1 or 2, characterized in that for the transfer of funds between the user's wallets and the PMU, cryptographically protected messages containing records about the amount of transfer are used. 14. A system for personal automatic access to heterogeneous e-commerce services, containing a server for service delivery managers (SMPU) associated with the means of gateways of telecom operators, characterized in that each entry from the SMPU database uniquely corresponds to a specific implementation of a programmable service manager (SMP) , which in turn consists of an interface matching module that interacts on the input and output with the PMU electronic wallet and the automatic formation module requests for the service provider, while the interface matching module functions as a bi-directional gateway between the user interface (IP) for accessing the service (4) and the service providing interface (6) of the service provider, the PMU electronic wallet (2) in turn serves as a gateway between electronic wallets of the user (1) and the service provider (3) (and the PMU electronic wallet (2) consists of several automatic wallet management modules, one or more selected for money transfer transactions monthly payments, Internet payment systems), templates for automatic generation of requests to the service delivery interface are set by the user through the interfaces for creating a personal service package (7) and the automatic request generation module for the service provider (8), and a one-to-one correspondence is recorded in the SMPU database identifiers (numbers) of the electronic wallets of the user (1) and the PMU (2), and the user interface for accessing the service (4) is activated only after the successful transfer of the amount specified entered in the form of an interface for creating a personal service package (7), from the identifier (number) of the user's electronic wallet (1) recorded in the SMPU database to the corresponding electronic wallet of the PMU (2). 15. The system of claim 14, wherein the IP includes display and keyboard modules. 16. The system of claim 14, wherein the IP includes an interface to a cash register machine (cash register). 17. The system of claim 14, wherein the IP includes a barcode scanner module. 18. The system of claim 14, characterized in that the IP includes an access control device (read / write modules for magnetic, radio or chip access control cards, biometric identification modules). 19. The system of claim 14, wherein the IP includes a device for printing receipts (printer, fiscal registrar). 20. The system of claim 14, characterized in that the IP includes devices for automatically collecting cash (bill acceptors, coin acceptors). 21. The system according to any one of paragraphs.14-20, characterized in that the IP is part of the PMU. 22. The system according to any one of paragraphs.14-21, characterized in that the PMU provides an interface for consuming the service to the user after dialing (call back) from the telephone exchange (modem pool) of the PMU to the user's telephone / modem / fax machine. 23. The system according to any one of paragraphs.14-22, characterized in that when the user is re-registered with an electronic wallet previously registered on the SMPU, a new version of the PMP is generated with an e-wallet number that does not coincide with the previously allocated number. 24. The system according to p. 23, characterized in that it allows the modification of the record in the SMPU database when a corresponding user visits the office of the company, the owner of the SMPU and provides them with documents that uniquely identify it.

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