WO2000033265A1 - Method for remotely carrying out a transaction between a customer and a supplier using a communication network, as well as communication network for applying said method - Google Patents
Method for remotely carrying out a transaction between a customer and a supplier using a communication network, as well as communication network for applying said method Download PDFInfo
- Publication number
- WO2000033265A1 WO2000033265A1 PCT/EP1999/009158 EP9909158W WO0033265A1 WO 2000033265 A1 WO2000033265 A1 WO 2000033265A1 EP 9909158 W EP9909158 W EP 9909158W WO 0033265 A1 WO0033265 A1 WO 0033265A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- link
- supplier
- customer
- communication network
- setting
- Prior art date
Links
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
- G06Q20/04—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
- G06Q20/30—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]
Definitions
- the invention relates to the method for remotely carrying out a transaction between a customer and a supplier using a communication network, which method comprises: setting up, by way of the communication network, a first link between the customer and the supplier, in order to transmit a purchase order to the supplier.
- Such method is generally known.
- the European patent application EP 0 590 861 describes a method for making purchases by way of a communication network, use being made of a so-called credit card.
- the number of said credit card is used for identification purposes, an authorisation code being issued to the supplier by a verification unit. Settlement of the amount due takes place only afterwards. In addition, it is a requirement that the customer dispose of a credit card.
- the European patent application EP 0 785 534 describes a method for carrying out financial transactions using mobile telephones. Using said method, a direct link is laid between an IC card present in the telephone set (i.e., a card which is provided with an integrated circuit or IC) and a payment module at the supplier's. Although with this method it is possible to pay directly, it is a requirement that the customer dispose of a suitable IC card and the supplier dispose of an associated payment module.
- the international patent application WO 94/11849 describes a method for carrying out financial transactions by way of mobile telephones, a link being set up with a financial institution to realise, e.g., a remittance. It is not possible, however, to place an order and to pay for it forthwith.
- the object of the invention is to eliminate the aforementioned and other drawbacks of the prior art and to provide a method for remotely carrying out a transaction between a customer and a supplier, which makes it possible in one single transaction to place an order and to pay for said order.
- a further object of the invention is to provide such a method, surety being immediately generated on the payment and the delivery, without the customer being required to dispose of special equipment.
- a method of the type referred to in the preamble according to the invention is characterised by: the communication network setting up a second link between the customer and a financial institution, in order to transmit a payment order to the financial institution, acceptance, by the financial institution, of the payment order and issuance of a payment confirmation, and setting up, by the communication network, a third link between the financial institution and the supplier, in order to transmit a payment confirmation to the supplier.
- the communication network setting up a second link between the customer and a financial institution, there may be forthwith carried out an authorisation and a payment confirmation.
- By setting up a third link between the financial institution and the supplier it is possible to transmit a payment confirmation from the financial institution to the supplier.
- the payment may be guaranteed forthwith, while all parties may be made aware of the acceptance of the payment order.
- the method according to the invention is preferably characterised by maintaining the first link during the second and third links in order, after receipt of the payment confirmation by the supplier, to transmit a transaction confirmation to the customer.
- the link between the customer and the supplier is maintained during the exchange of data with the financial institution. In this manner, a simple and direct reporting back to the customer becomes possible. It is also possible, however, to carry out the method according to the invention by breaking off the first link prior to setting up the second link, and setting up the first link anew, in order to transmit a transaction confirmation to the customer .
- a mobile telephone For setting up the first link, i.e., the link between the customer and the supplier, a mobile telephone may be used. It is also possible, however, to apply a telephone for the fixed network.
- the method according to the invention is advantageously characterised by setting up the first and/or second link by intervention of a mediating station, such as a voice-response system.
- a mediating station such as a voice-response system.
- the communication network may set up a link with one of several suppliers and/or one of several financial institutions .
- the invention further provides a communication network, comprising switching means and transmission lines, arranged for setting up a first link between a first and a second transmission line, which communication network according to the invention is characterised in that the switching means are also arranged for: setting up, during the first link (I) , a second link (II) between the first and a third transmission line, and setting up, as a function of a signal (BEV) received from the third transmission line, a third link (III) between the third and the second transmission line.
- BEV signal
- Fig. 1 schematically shows a first embodiment of a system for remotely carrying out transactions.
- Fig. 2 schematically shows a second embodiment of a system for remotely carrying out transactions .
- Fig. 3 schematically shows part of the system according to Fig. 2.
- the first embodiment shown in Fig. 1 only by way of example, of a system for remotely carrying out a transaction in accordance with the invention, comprises a customer 1, who is connected to a communication network 3 by way of a transmission line 5.
- a supplier 2 and a financial institution 4 are connected to the communication network 3 by the transmission lines 6 and 7, respectively.
- the supplier 2 may be a supplier of goods and/or services, such as a shop, mail-order firm or patent office.
- the financial institution 4 may be, e.g., a bank, a savings bank or an insurance company .
- the customer 1 starts a transaction by dialling the number of the supplier 2.
- the communication network 3 sets up a (first) link I, by way of the transmission lines 5 and 6, between the customer 1 and the supplier 2.
- the customer 1 then transmits an order BES to the supplier 2.
- the customer who has been informed of the amount due by the supplier by way of the first link I, now gives the financial institution 4 a payment order for said amount.
- the acceptance of the payment order (payment authorisation) is preferably carried out forthwith, whereupon the customer receives a return notification from the financial institution.
- the customer may once again give a payment order, or the transaction may be terminated.
- the communication network 3 sets up a third link III between the financial institution 4 and the supplier 2, in order to transmit a payment confirmation BEV to the supplier.
- the supplier who has been informed of the amount due by the supplier by way of the first link I, now gives the financial institution 4 a payment order for said amount.
- the acceptance of the payment order (payment authorisation) is preferably carried out forthwith, whereupon the customer receives a return notification from the financial institution.
- the customer may once again give a payment order, or the transaction may be terminated.
- the communication network 3 sets up a third link III between the financial institution 4 and the supplier 2, in order to transmit a payment confirmation
- the communication network 3 is provided with a mediating station 9.
- Said mediating station may be served by a (female) telephone operator, but may also be set up fully automatically, e.g., as a so-called voice-response system, i.e., a voice-control system.
- the mediating station 9 may be included in the communication network 3, e.g., in a telephone exchange, but may also be coupled, by way of a supplementary transmission line (not shown) , to the communication network 3.
- the customer 1 does not dial the number of the supplier 2 or the financial institution 4 directly, but first a general transaction number, whereupon the customer is put through to the mediating station 9.
- the customer may choose, e.g., by entering dialling digits, from a menu in which various suppliers are on offer.
- a choice may be made from several financial institutions 4.
- the communciation network 3, under control of the mediating station 9 sets up the required links.
- Fig. 3 schematically shows part of the system of Fig. 2, namely, the customer l and the transmission line 5.
- the transmission line 5 includes a wireless part 5' and a fixed part 5" .
- the wireless part 5' extends between a mobile telephone 11 of the customer and a transceiver station of the mobile network.
- the use of a mobile telephone instead of a nonmobile telephone has the advantage of the customer being capable of giving an indication of his identity in a simple manner, e.g., in the event of GSM, the number associated with the SIM card, or in the event of a numeric display, the subscriber number. In the event of the fixed telephone network, the latter in most cases is also possible.
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU13869/00A AU1386900A (en) | 1998-12-02 | 1999-11-23 | Method for remotely carrying out a transaction between a customer and a supplierusing a communication network, as well as communication network for applying sa id method |
EP99973150A EP1135754A1 (en) | 1998-12-02 | 1999-11-23 | Method for remotely carrying out a transaction between a customer and a supplier using a communication network, as well as communication network for applying said method |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
NL1010702A NL1010702C2 (en) | 1998-12-02 | 1998-12-02 | Method for the remote execution of a transaction between a customer and a supplier using a communication network, as well as a communication network for applying the method. |
NL1010702 | 1998-12-02 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2000033265A1 true WO2000033265A1 (en) | 2000-06-08 |
Family
ID=19768236
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/EP1999/009158 WO2000033265A1 (en) | 1998-12-02 | 1999-11-23 | Method for remotely carrying out a transaction between a customer and a supplier using a communication network, as well as communication network for applying said method |
Country Status (4)
Country | Link |
---|---|
EP (1) | EP1135754A1 (en) |
AU (1) | AU1386900A (en) |
NL (1) | NL1010702C2 (en) |
WO (1) | WO2000033265A1 (en) |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2002023413A1 (en) * | 2000-08-02 | 2002-03-21 | Tong Shao | . method and system for transferring cipher real right |
EP1308871A2 (en) * | 2001-11-02 | 2003-05-07 | Nokia Corporation | Controlling transactions |
EP1326187A1 (en) * | 2000-09-28 | 2003-07-09 | James Jay Skinner | Electronic commerce system |
US8219490B2 (en) | 2007-10-25 | 2012-07-10 | Visa U.S.A., Inc. | Payment transaction using mobile phone as relay |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0590861A2 (en) | 1992-09-29 | 1994-04-06 | AT&T Corp. | Secure credit/debit card authorization |
WO1994011849A1 (en) | 1992-11-11 | 1994-05-26 | Telecom Finland Oy | Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system |
NL1001387C2 (en) * | 1995-10-10 | 1997-04-11 | Nederland Ptt | Facilitating unit for aiding ordering and payment of services |
EP0785534A1 (en) | 1996-01-17 | 1997-07-23 | Koninklijke KPN N.V. | Method and system for performing financial transactions by means of mobile telephone sets |
WO1997045814A1 (en) * | 1996-05-24 | 1997-12-04 | Behruz Vazvan | Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data |
WO1998047116A1 (en) * | 1997-04-15 | 1998-10-22 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
-
1998
- 1998-12-02 NL NL1010702A patent/NL1010702C2/en not_active IP Right Cessation
-
1999
- 1999-11-23 EP EP99973150A patent/EP1135754A1/en not_active Withdrawn
- 1999-11-23 WO PCT/EP1999/009158 patent/WO2000033265A1/en not_active Application Discontinuation
- 1999-11-23 AU AU13869/00A patent/AU1386900A/en not_active Abandoned
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
EP0590861A2 (en) | 1992-09-29 | 1994-04-06 | AT&T Corp. | Secure credit/debit card authorization |
WO1994011849A1 (en) | 1992-11-11 | 1994-05-26 | Telecom Finland Oy | Mobile telephone systems and a method for carrying out financial transactions by means of a mobile telephone system |
NL1001387C2 (en) * | 1995-10-10 | 1997-04-11 | Nederland Ptt | Facilitating unit for aiding ordering and payment of services |
EP0785534A1 (en) | 1996-01-17 | 1997-07-23 | Koninklijke KPN N.V. | Method and system for performing financial transactions by means of mobile telephone sets |
WO1997045814A1 (en) * | 1996-05-24 | 1997-12-04 | Behruz Vazvan | Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data |
WO1998047116A1 (en) * | 1997-04-15 | 1998-10-22 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
Cited By (8)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2002023413A1 (en) * | 2000-08-02 | 2002-03-21 | Tong Shao | . method and system for transferring cipher real right |
EP1326187A1 (en) * | 2000-09-28 | 2003-07-09 | James Jay Skinner | Electronic commerce system |
EP1326187A4 (en) * | 2000-09-28 | 2004-11-24 | James Jay Skinner | Electronic commerce system |
EP1308871A2 (en) * | 2001-11-02 | 2003-05-07 | Nokia Corporation | Controlling transactions |
GB2381633A (en) * | 2001-11-02 | 2003-05-07 | Nokia Corp | Controlling transactions |
EP1308871A3 (en) * | 2001-11-02 | 2004-01-14 | Nokia Corporation | Controlling transactions |
US8219490B2 (en) | 2007-10-25 | 2012-07-10 | Visa U.S.A., Inc. | Payment transaction using mobile phone as relay |
US8589300B2 (en) | 2007-10-25 | 2013-11-19 | Visa U.S.A. Inc. | Payment transaction using mobile phone as relay |
Also Published As
Publication number | Publication date |
---|---|
AU1386900A (en) | 2000-06-19 |
NL1010702C2 (en) | 2000-06-06 |
EP1135754A1 (en) | 2001-09-26 |
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