WO1994001825A1 - Systeme de transactions financieres pour services electroniques - Google Patents

Systeme de transactions financieres pour services electroniques Download PDF

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Publication number
WO1994001825A1
WO1994001825A1 PCT/US1993/006406 US9306406W WO9401825A1 WO 1994001825 A1 WO1994001825 A1 WO 1994001825A1 US 9306406 W US9306406 W US 9306406W WO 9401825 A1 WO9401825 A1 WO 9401825A1
Authority
WO
WIPO (PCT)
Prior art keywords
program
financial transaction
credit
transaction system
terminal
Prior art date
Application number
PCT/US1993/006406
Other languages
English (en)
Inventor
A. Frederick Greenberg
Terry E. Ritchie
Derek R. Clark
Original Assignee
Northwest Starscan Limited Partnership
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 Northwest Starscan Limited Partnership filed Critical Northwest Starscan Limited Partnership
Priority to AU46677/93A priority Critical patent/AU4667793A/en
Publication of WO1994001825A1 publication Critical patent/WO1994001825A1/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/16—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for devices exhibiting advertisements, announcements, pictures or the like
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N7/00—Television systems
    • H04N7/16—Analogue secrecy systems; Analogue subscription systems
    • H04N7/162—Authorising the user terminal, e.g. by paying; Registering the use of a subscription channel, e.g. billing
    • H04N7/163—Authorising the user terminal, e.g. by paying; Registering the use of a subscription channel, e.g. billing by receiver means only
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04N—PICTORIAL COMMUNICATION, e.g. TELEVISION
    • H04N7/00—Television systems
    • H04N7/16—Analogue secrecy systems; Analogue subscription systems
    • H04N7/162—Authorising the user terminal, e.g. by paying; Registering the use of a subscription channel, e.g. billing
    • H04N7/165—Centralised control of user terminal ; Registering at central

Definitions

  • the present invention relates generally to financial transaction systems, and in particular, to a financial transaction system for use by customers of satellite television systems.
  • These special event programs are usually televised directly into a customer's home through a connection to a local cable company, which receives the satellite signal and relays it to its subscribers.
  • PV pay-per-view
  • the channel carrying the program must be physically connected to the line outside the subscriber's home by the cable company.
  • the subscriber In typical pay-per-view systems, the subscriber must telephone the cable company and request that a special program, such as a boxing match, be decoded and transmitted into the subscriber's home. Both cases involve human intervention and loss of time, which can be particularly annoying for an impulse buyer calling for a prize fight scheduled to begin in a few minutes.
  • customers must call the phone number every time they wish to receive a program.
  • Telephone lines are often busy, and even if the customer gets through, the timely activation of the customer's decoder often fails.
  • system operators on the provider side must maintain bilJing and collection operations to receive payment for a programs and services rendered to the customer.
  • the PPV provider must prepare and mail a statement of account after the program purchase, for which the customer can typically take up to thirty days to pay.
  • the PPV provider must then wait several more days for a check to clear before the funds can be used.
  • the check is returned to the PPV provider because of insufficient funds, no account, or forgery, the PPV provider must endeavor to find the purchaser, initiate collection procedures, or write off the bad debt. All of this adds a substantial element of cost to the system, involving an increased cost burden imposed primarily on the PPV provider, which is passed on to the public in an increased cost of the services involved.
  • the present invention provides a financial transaction system for purchasing televised programs and information services having a plurality of terminal means located at a plurality of point of sale locations, for regulating the television reception of a program or information service or product; and a central processing means for communicating with the terminal means, for purchasing programs and exchanging data.
  • the terminal has a data storage means for storing the available credit of a program purchaser; and a data processing means for comparing the available credit to the purchase price of a program, permitting the reception of a program only if the stored credit exceeds the purchase price of the program, and debiting the purchase price from the stored credit when the program or service is purchased.
  • FIG. 1 is a schematic diagram providing a general overview of a financial transaction system for a direct-broadcast satellite television system in accordance with the present invention. Detailed Description of a Preferred Embodiment
  • the present invention contemplates an improved system for selecting and purchasing a pay-per-view ("PPV”) program for television viewing.
  • PSV pay-per-view
  • FIG 1 one embodiment of the present invention.
  • an integrated Receiver/Decoder 65 according to one embodiment of the present invention is shown as part of a direct-broadcast satellite television system 10. It is to be understood that the following description of the satellite television system 10, related to but not forming part of the invention, is provided for illustrative purposes only.
  • transmitted television signals are sent to an overhead satellite 16 and relayed to a plurality of ground-based receiver antennae 17.
  • the received broadcast signals are then converted to analog form for conventional televisions 70.
  • An Integrated Receiver/Decoder (“IRD”) 65 which is preferably purchased by customers from commercial electronics retailers, is the primary interface between the customer and a television program provider.
  • the Integrated Receiver/Decoder 65 which is preferably purchased by customers from commercial electronics retailers, is the primary interface between the customer and a television program provider.
  • the IRD 65 regulates channel reception, allowing reception of paid-for programming and otherwise blocking reception.
  • the IRD 65 may also regulate other information, including menu, control, and any other digital data for peripheral devices, such as a printer or TTY terminal.
  • the IRD 65 will typically contain a coaxial connector /interface for receiving the programming signals from the cable utility or program provider; a magnetic stripe reader; a data processing means; memory storage means; a modem; a dual-tone multi-frequency generator ("DTMF") means; a telephone interface means, such as an RJ11 modular telephone connector; a R-F modulator means; and, optionally, a data display means, and a plurality of peripheral interface means for connecting printers, general purpose computers, etc.; all interfaced by suitable means for information transfer, such as are well known in the art.
  • DTMF dual-tone multi-frequency generator
  • the particular design of the IRD 65 is not critical to the invention, and other technologies suitable for accomplishing the foregoing functions may also be used.
  • the IRD 65 may be implemented programmatically or by direct electrical connection through customized integrated circuits, or a combination of both, using any of the methods known in the industry for providing the functions described herein without departing from the teachings of the invention.
  • commercial semiconductor integrated circuit technology would suggest numerous alternatives for actual implementation of the inventive functions of the IRD 65 that would still be within the scope of the invention.
  • the IRD 65 down-converts L-band signals, as is known in the art, to approximately 70MHz, extracts the digital data stream, descrambles the data, error corrects the data, and finally decrypts it to reproduce the original data from the broadcast studio. It then decodes the information and reproduces the original program on the customer's television receiver 70.
  • the IRD 65 may also interpret any menu information supplied and use it to interact with the customer (customer interface).
  • the IRD 65 may also communicate with a computer control 50 and a central database (“CDBS”) 51 via telephone line, whereby the customer may purchase additional programming or otherwise communicate with computer control 50 and CDBS 51.
  • CDBS central database
  • a customer preferably interacts with the IRD 65 by way of a series of text menus displayed on the subscriber's television screen, offering the customer selections of programming currently available for viewing and for purchase. Through menu selection, a customer may also order programs or data (software, games, CD audio, programming, etc.) in advance for later viewing or downloading, such as printing the next day's program or downloading a computer program overnight when more opportunistic information may be available.
  • programs or data software, games, CD audio, programming, etc.
  • the IRD 65 includes a secure funds memory location for storing data pertaining to each customer transaction. Upon initially registering with the cable utility or program provider, a charge is made against the customer's credit card. That amount is then transferred to the secure funds memory location of the customer's IRD 65. The customer may then make program purchases against that amount. The price for each program selection is preferably retrieved from within the menu information associated with the selection transmitted.
  • IRD 65 acts like a video "postage meter". In contrast to conventional practice, the IRD 65 holds an available balance of credit that can be debited instantly for purchases. Since money for product purchases is allocated in advance from the customer's credit card, the IRD 65 can instantly deduct the product price from the available credit when the program is selected.
  • the IRD 65 can continue to deduct product purchases from the available credit until it is exhausted or it has reached a predetermined level. Once the balance is decremented below the predetermined amount, e.g., $10.00, the IRD 65 may optionally make another charge against the customer's credit card or seek customer authorization before making such a charge.
  • the present invention may further allow a short preview time for customers to view a given program before being billed. At the end of the preview period, the customer may enter an authorization code unique for that particular IRD 65 to purchase the previewed material. Otherwise, the viewed program reverts to a scrambled or encrypted image after a specified period of time. As described above, the customer's IRD 65 is connected to their existing phone line via the RJ11 connector.
  • the phone connection enables the PPV provider to communicate with the IRD 65 several minutes each month. Periodically, it will be necessary for the IRD 65 to contact the CDBS 51 to report problems, purchase additional programming or otherwise transmit and/or exchange information. This is accomplished over the telephone lines using dual-tone multiple frequency (DTMF) sequences, where two different tones for each key pressed is fed across the telephone line.
  • DTMF dual-tone multiple frequency
  • the IRD 65 retrieves a phone number for the central controller 50 from the memory storage within, and establishes communications with CDBS 51 via the DTMF interface, which allows both the sending and receiving of DTMF signals over a connected telephone line.
  • the IRD 65 is then connected to the CDBS 51 via the internal modem.
  • the IRD 65 only initiates calls to the CDBS 51 and does not answer incoming calls, thereby reducing the threat of unauthorized use and intrusions.
  • the CDBS 51 downloads the product purchase information, retrieves transaction data, and allows the customer the chance to advance more money from their credit card to buy more products.
  • the customer may obtain additional programming funds by purchasing a card which contains a prescribed amount of programming funds and inserting the card into the IRD 65.
  • These "smart" cards may be purchased monthly and mailed to the customer.

Landscapes

  • Engineering & Computer Science (AREA)
  • Signal Processing (AREA)
  • Computer Security & Cryptography (AREA)
  • Multimedia (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Two-Way Televisions, Distribution Of Moving Picture Or The Like (AREA)

Abstract

Un système de transactions financières permettant d'acquérir le droit de recevoir certaines émissions télévisées et d'utiliser des services d'informations comprend un terminal (65) relié à l'appareil de télévision (70) d'un client et destiné à régler la réception par l'appareil de télévision d'une émission ou d'un service d'informations, ou bien d'un autre produit. Ledit système comporte également un processeur central (50) servant à communiquer avec le terminal (65) pour acquérir le droit de réception de certaines émissions et échanger des données. Le terminal (65) comporte une mémoire stockant le crédit disponible d'un client, et un processeur de données servant à comparer le crédit disponible avec le prix d'acquisition du droit de réception d'une émission, à permettre la réception d'une émission, et à débiter du crédit en mémoire le prix correspondant au produit ou au service acquis.
PCT/US1993/006406 1992-07-08 1993-07-07 Systeme de transactions financieres pour services electroniques WO1994001825A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU46677/93A AU4667793A (en) 1992-07-08 1993-07-07 Financial transaction system for electronic services

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US91062292A 1992-07-08 1992-07-08
US07/910,622 1992-07-08

Publications (1)

Publication Number Publication Date
WO1994001825A1 true WO1994001825A1 (fr) 1994-01-20

Family

ID=25429072

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1993/006406 WO1994001825A1 (fr) 1992-07-08 1993-07-07 Systeme de transactions financieres pour services electroniques

Country Status (2)

Country Link
AU (1) AU4667793A (fr)
WO (1) WO1994001825A1 (fr)

Cited By (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1995030211A1 (fr) * 1994-04-28 1995-11-09 Citibank, N.A. Agents valides pour commerce electronique ouvert
DE4444889C1 (de) * 1994-12-16 1996-07-11 Grundig Emv Verfahren und Schaltungsanordnung zur Realisierung eines Rückübertragungskanals vom Empfänger zum Sender in einem Gleichwellennetz
EP0725376A2 (fr) * 1995-02-06 1996-08-07 Sony Corporation Méthode et débit et système de débit en service interactif en-ligne
WO1997019414A1 (fr) * 1995-11-21 1997-05-29 Oxford Media Pty. Ltd. Systeme de paiement monetaire par reseau informatique
EP0788080A2 (fr) * 1996-01-31 1997-08-06 Canon Kabushiki Kaisha Appareil de comptabilisation et système de distribution d'informations utilisant cet appareil
US5671280A (en) * 1995-08-30 1997-09-23 Citibank, N.A. System and method for commercial payments using trusted agents
EP0831653A2 (fr) * 1996-09-18 1998-03-25 Matsushita Electric Industrial Co., Ltd. Système de transmission d'information de paiement
US5745886A (en) * 1995-06-07 1998-04-28 Citibank, N.A. Trusted agents for open distribution of electronic money
AU697007B2 (en) * 1994-04-28 1998-09-24 Citibank, N.A. Method of presentation and transfer of electronic tickets in open electronic commerce
EP0868040A2 (fr) * 1997-03-25 1998-09-30 Sony Electronics Inc. Système et méthode de mise à disposition d'un système de courrier électronique à travers un récepteur de télédiffusion par satéllite
US6088797A (en) * 1994-04-28 2000-07-11 Rosen; Sholom S. Tamper-proof electronic processing device
FR2807178A1 (fr) * 2000-03-31 2001-10-05 Nagravision Sa Methode de gestion des abonnements pour television a peage
US7028187B1 (en) 1991-11-15 2006-04-11 Citibank, N.A. Electronic transaction apparatus for electronic commerce

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US3752904A (en) * 1971-08-09 1973-08-14 Cynthia Cannon Credit and other security cards and card utilization system therefor
US4484217A (en) * 1982-05-11 1984-11-20 Telease, Inc. Method and system for remote reporting, particularly for pay television billing
US4710955A (en) * 1985-11-25 1987-12-01 General Instrument Corporation Cable television system with two-way telephone communication path
US4712238A (en) * 1984-06-08 1987-12-08 M/A-Com Government Systems, Inc. Selective-subscription descrambling
US4759060A (en) * 1984-10-31 1988-07-19 Sony Corporation Decoder for a pay television system
US4796297A (en) * 1983-08-19 1989-01-03 Nec Corporation Device for calculating a charge for a charged information signal with errors avoided in a report of the charge
US4802215A (en) * 1983-07-22 1989-01-31 Independent Broadcasting Authority Security system for television signal encryption
US4893248A (en) * 1987-02-06 1990-01-09 Access Corporation Monitoring and reporting system for remote terminals
US5070400A (en) * 1987-06-30 1991-12-03 Comsat Pay-tv time purchase scheme

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3752904A (en) * 1971-08-09 1973-08-14 Cynthia Cannon Credit and other security cards and card utilization system therefor
US4484217A (en) * 1982-05-11 1984-11-20 Telease, Inc. Method and system for remote reporting, particularly for pay television billing
US4802215A (en) * 1983-07-22 1989-01-31 Independent Broadcasting Authority Security system for television signal encryption
US4796297A (en) * 1983-08-19 1989-01-03 Nec Corporation Device for calculating a charge for a charged information signal with errors avoided in a report of the charge
US4712238A (en) * 1984-06-08 1987-12-08 M/A-Com Government Systems, Inc. Selective-subscription descrambling
US4759060A (en) * 1984-10-31 1988-07-19 Sony Corporation Decoder for a pay television system
US4710955A (en) * 1985-11-25 1987-12-01 General Instrument Corporation Cable television system with two-way telephone communication path
US4893248A (en) * 1987-02-06 1990-01-09 Access Corporation Monitoring and reporting system for remote terminals
US5070400A (en) * 1987-06-30 1991-12-03 Comsat Pay-tv time purchase scheme

Cited By (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7028187B1 (en) 1991-11-15 2006-04-11 Citibank, N.A. Electronic transaction apparatus for electronic commerce
US6336095B1 (en) 1994-04-28 2002-01-01 Citibank, N.A. Method for electronic merchandise dispute resolution
US6088797A (en) * 1994-04-28 2000-07-11 Rosen; Sholom S. Tamper-proof electronic processing device
US5703949A (en) * 1994-04-28 1997-12-30 Citibank, N.A. Method for establishing secure communications among processing devices
US5621797A (en) * 1994-04-28 1997-04-15 Citibank, N.A. Electronic ticket presentation and transfer method
US7478239B1 (en) 1994-04-28 2009-01-13 Citibank, N.A. Electronic ticket vending system
US5642419A (en) * 1994-04-28 1997-06-24 Citibank N.A. Method for acquiring and revalidating an electronic credential
US6205436B1 (en) 1994-04-28 2001-03-20 Citibank, N.A. Trusted agents for open electronic commerce where the transfer of electronic merchandise or electronic money is provisional until the transaction is finalized
WO1995030211A1 (fr) * 1994-04-28 1995-11-09 Citibank, N.A. Agents valides pour commerce electronique ouvert
US5557518A (en) * 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5878139A (en) * 1994-04-28 1999-03-02 Citibank, N.A. Method for electronic merchandise dispute resolution
AU690662B2 (en) * 1994-04-28 1998-04-30 Citibank, N.A. Trusted agents for open electronic commerce
US6175921B1 (en) 1994-04-28 2001-01-16 Citibank, N.A. Tamper-proof devices for unique identification
AU697007B2 (en) * 1994-04-28 1998-09-24 Citibank, N.A. Method of presentation and transfer of electronic tickets in open electronic commerce
DE4444889C1 (de) * 1994-12-16 1996-07-11 Grundig Emv Verfahren und Schaltungsanordnung zur Realisierung eines Rückübertragungskanals vom Empfänger zum Sender in einem Gleichwellennetz
US6178175B1 (en) 1994-12-16 2001-01-23 Grundig Ag Circuit array and method for creating a data feedback channel from receiver to transmitter in a common frequency network
EP0725376A3 (fr) * 1995-02-06 2002-09-18 Sony Corporation Méthode et débit et système de débit en service interactif en-ligne
EP0725376A2 (fr) * 1995-02-06 1996-08-07 Sony Corporation Méthode et débit et système de débit en service interactif en-ligne
KR100422288B1 (ko) * 1995-02-06 2004-06-09 소니 가부시끼 가이샤 요금부과방법및요금부과시스템
US5745886A (en) * 1995-06-07 1998-04-28 Citibank, N.A. Trusted agents for open distribution of electronic money
US5671280A (en) * 1995-08-30 1997-09-23 Citibank, N.A. System and method for commercial payments using trusted agents
WO1997019414A1 (fr) * 1995-11-21 1997-05-29 Oxford Media Pty. Ltd. Systeme de paiement monetaire par reseau informatique
US6272535B1 (en) 1996-01-31 2001-08-07 Canon Kabushiki Kaisha System for enabling access to a body of information based on a credit value, and system for allocating fees
EP0788080A3 (fr) * 1996-01-31 1998-10-14 Canon Kabushiki Kaisha Appareil de comptabilisation et système de distribution d'informations utilisant cet appareil
EP0788080A2 (fr) * 1996-01-31 1997-08-06 Canon Kabushiki Kaisha Appareil de comptabilisation et système de distribution d'informations utilisant cet appareil
EP0831653A3 (fr) * 1996-09-18 1999-08-25 Matsushita Electric Industrial Co., Ltd. Système de transmission d'information de paiement
US6289314B1 (en) 1996-09-18 2001-09-11 Matsushita Electric Industrial Co., Ltd. Pay information providing system for descrambling information from plural sources and rescrambling the information before sending to a terminal or terminals
EP0831653A2 (fr) * 1996-09-18 1998-03-25 Matsushita Electric Industrial Co., Ltd. Système de transmission d'information de paiement
EP0868040A3 (fr) * 1997-03-25 2000-02-02 Sony Electronics Inc. Système et méthode de mise à disposition d'un système de courrier électronique à travers un récepteur de télédiffusion par satéllite
EP0868040A2 (fr) * 1997-03-25 1998-09-30 Sony Electronics Inc. Système et méthode de mise à disposition d'un système de courrier électronique à travers un récepteur de télédiffusion par satéllite
FR2807178A1 (fr) * 2000-03-31 2001-10-05 Nagravision Sa Methode de gestion des abonnements pour television a peage
EP1143727A1 (fr) * 2000-03-31 2001-10-10 Nagravision SA Méthode de gestion de crédits d'abonné dans un système de télévision à péage

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