WO2000057319A2 - Procede et dispositif pour effectuer de maniere electronique des operations d'achat et de vente - Google Patents

Procede et dispositif pour effectuer de maniere electronique des operations d'achat et de vente Download PDF

Info

Publication number
WO2000057319A2
WO2000057319A2 PCT/DE2000/000611 DE0000611W WO0057319A2 WO 2000057319 A2 WO2000057319 A2 WO 2000057319A2 DE 0000611 W DE0000611 W DE 0000611W WO 0057319 A2 WO0057319 A2 WO 0057319A2
Authority
WO
WIPO (PCT)
Prior art keywords
order
internet
data
switching center
access
Prior art date
Application number
PCT/DE2000/000611
Other languages
German (de)
English (en)
Other versions
WO2000057319A3 (fr
Inventor
Christian Rappel
Original Assignee
Siemens Aktiengesellschaft
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 Siemens Aktiengesellschaft filed Critical Siemens Aktiengesellschaft
Priority to EP00916786A priority Critical patent/EP1381981A2/fr
Publication of WO2000057319A2 publication Critical patent/WO2000057319A2/fr
Publication of WO2000057319A3 publication Critical patent/WO2000057319A3/fr

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
    • G06Q20/08—Payment architectures
    • G06Q20/16—Payments settled via telecommunication systems

Definitions

  • the invention relates to a method and a device for the electronic handling of buying and selling transactions, the so-called electronic commerce, using public communication networks, in particular the Internet, according to the preamble of patent claims 1 and 8, respectively.
  • US 5,794,221 shows an accounting process using the Internet.
  • an agreement between an Internet provider and the customer and, on the other hand, a corresponding regulation between the provider and the seller or service provider is assumed.
  • the provider declares that he will invoice the customer and that he will responsible for the seller or service provider.
  • the provider himself creates network access for the customer.
  • the transaction information between seller and customer is sent to the provider, who then carries out the corresponding activities such as billing and forwarding of the payment amount received.
  • the provider receives a commission for the use of the services by the provider.
  • An advantage of the known solution is that it is not necessary for the customer to have to give the account number or the like personal data to the seller, as a result of which an undesired temporary presence of this amount of data in the hardly controllable Internet is ruled out
  • the object of the invention is achieved with a method as defined in claim 1 and with a device for performing the method according to the features of claim 8.
  • the basic idea of the invention is accordingly, starting from a communication-capable terminal with display or monitor, in particular a personal computer, to order goods and / or services via the Internet via an access node and to compensate these goods and / or services electronically on the payment side, wherein the communication-capable terminal handles the order data transfer via a switching center.
  • the access to the Internet from the switching center is interrupted at least briefly and a menu-based billing access to the switching center of the telecommunications network operator is set up and / or set up.
  • the order can then be entered on the invoice side in the respective terminal-related telephony account file via the usual handling of the services for the use of the telecommunications network and then settled later.
  • a PIN personnel. Is designed before the order and invoice data are recorded in the telephony account file
  • the order and invoice data are stored, for example, in a separate memory area of the telephony account file, it being possible for additional data, such as information on the date and / or the specific type of the goods or the service, to be recorded.
  • the order and invoice data storage can be coded. It is also conceivable to encrypt the output of the data on a conventional telephony bill, e.g. to be provided based on product or service codes.
  • Confirmation protocols are generated automatically from the recorded and stored order and invoice data and are transmitted to the service provider via the Internet in a manner known per se.
  • the confirmation logs do not contain any security-relevant information such as the PIN, a credit card account number or the like.
  • a data connection to the telephony data acquisition computer which is usually located at the switching center, is established by means of the personal computer, the menu also being active during the online state of the Personal computers and access to the Internet can be activated, so that the user is already able to activate a menu bar or open the corresponding menu when accessing a homepage of a service provider, and then, if desired, to initiate payment processing. it is automatically ensured that the Internet access is interrupted or the firewall security measure is activated at the relevant moment.
  • the order data is first downloaded to the end device, namely the personal computer, via the Internet and the order is registered with the service provider. Then the m separate connection is the The amount of invoice data belonging to the order is transferred from the terminal device of the memory to the switching center and recorded there in a debit file after authentication. The debtor registration is then sent to the service provider together with an identification identifier as confirmation.
  • a communication-capable terminal with a display is provided to carry out the method and is connected to a switching center via the telephone network.
  • the exchange establishes access to an Internet access computer (provider) via a corresponding data line.
  • the exchange contains an internode module, which converts telephony data received during data transfer between the Internet access computer and the terminal device into a format suitable for display display or storage in the personal computer or terminal device, but also also records m derived from the Internet data transfer device an exchange format is transformed.
  • the internode module creates a kind of symbiosis between telephony traffic and digital data transfer.
  • the figure shows a schematic diagram of access to the Internet from a personal computer.
  • the terminal in particular a PC 1, is connected to the public telephone network via a suitable modem or an interface.
  • a switching center 3 is provided, which both sets up calls selected by telephone number and records call times for later billing.
  • the Internet access computer 4 now enables access to the Internet symbolically represented by the reference symbol 5.
  • internode module 6 which enables the performance of conventional telephone systems to be combined with the possibilities of Internet-capable personal computers.
  • the internode creates the possibility for network operators and users to systematically use their existing infrastructure such as lines or switching systems for the World Wide Web.
  • the order data transfer is carried out via the switching center when using Internet services.
  • Such a claim can be, for example, ordering goods or services.
  • the access from the switching center 3 via the access computer 4, or access to the Internet is briefly interrupted or blocked for incoming data in order to optimize security.
  • Computer 1 is then set up or set up a menu-based billing access to switching center 3 in order to then use the usual handling of the services for the use of the telecommunication networks, e.g. the call data acquisition, the order entry in a corresponding terminal-related telephony account file on the invoice side or to process the payment.
  • the usual handling of the services for the use of the telecommunication networks e.g. the call data acquisition, the order entry in a corresponding terminal-related telephony account file on the invoice side or to process the payment.
  • the order and invoice data are stored in a separate memory area of the telephony account file in the exchange or in a computer located there.
  • the user who has used the Internet service via the personal computer 1 then receives with the e.g. monthly telephone bill a request for payment for the goods ordered or services used.
  • the order and invoice data which are stored in the switching center 3 or a computer located there, then serve for the automatic creation of a confirmation protocol which is communicated to the service provider via the Internet.
  • This notification can be made immediately after the order, but also at times when there is little traffic, so that the operator of the public telephone network 2 only incurs low additional costs.
  • the personal computer 1 activates a menu item or a menu after the call and confirmation of authenticity and a connection to the exchange, ie a data connection to the telephony data acquisition computer, is established.
  • the menu can also be activated while the personal computer is online and currently accessing the Internet. the, however, the transfer of order data with the consequence of the creation of invoice data is only carried out after disconnection of the internet connection.
  • the order data can first be loaded onto the personal computer 1 via the Internet and the order can be registered with the service provider. Subsequently, with a separate connection, the invoice data belonging to the order are then transferred from the personal computer 1 to the switching center 3 and, after a further authenticity check, recorded in a debit file. The customer entry is again confirmed separately by means of an identification identifier hm for the service provider.
  • the operator on the exchange e.g. the telephone company ensures that the invoice is sent to the service provider or supplier after payment has been received.
  • the solution presented has the advantage that security-relevant personal data no longer have to be transmitted via the public Internet, which brings about significant advantages with regard to security in payment transactions and the trust of users and customers in the payment system.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Telephonic Communication Services (AREA)
  • Computer And Data Communications (AREA)

Abstract

L'invention concerne un procédé et un dispositif pour effectuer de manière électronique des opérations d'achat et de vente par l'intermédiaire de réseaux de communication publics. Selon l'invention, un transfert de données de commande est effectué au moyen d'un ordinateur personnel (1) par l'intermédiaire d'un standard (3). Le paiement de la marchandise reçue ou du service effectué est réalisé, de la même façon que l'établissement d'une facture téléphonique, par l'intermédiaire d'un accès, assisté par menu, au central en vue d'établir la facturation, sans que la transmission de données de sécurité par l'intermédiaire d'Internet (5) soit nécessaire.
PCT/DE2000/000611 1999-03-23 2000-03-01 Procede et dispositif pour effectuer de maniere electronique des operations d'achat et de vente WO2000057319A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
EP00916786A EP1381981A2 (fr) 1999-03-23 2000-03-01 Procede et dispositif pour effectuer de maniere electronique des operations d'achat et de vente

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
DE19913096.5 1999-03-23
DE1999113096 DE19913096A1 (de) 1999-03-23 1999-03-23 Verfahren und Vorrichtung zur elektronischen Abwicklung von Kauf- und Verkaufshandlungen

Publications (2)

Publication Number Publication Date
WO2000057319A2 true WO2000057319A2 (fr) 2000-09-28
WO2000057319A3 WO2000057319A3 (fr) 2003-11-06

Family

ID=7902100

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/DE2000/000611 WO2000057319A2 (fr) 1999-03-23 2000-03-01 Procede et dispositif pour effectuer de maniere electronique des operations d'achat et de vente

Country Status (3)

Country Link
EP (1) EP1381981A2 (fr)
DE (1) DE19913096A1 (fr)
WO (1) WO2000057319A2 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AT505905B1 (de) * 2007-09-21 2009-05-15 Chemiefaser Lenzing Ag Cellulosepulver und verfahren zu seiner herstellung
US8681956B2 (en) 2001-08-23 2014-03-25 Paymentone Corporation Method and apparatus to validate a subscriber line
CN104899491A (zh) * 2015-05-28 2015-09-09 广东欧珀移动通信有限公司 一种数据转移方法及其装置

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0814589A2 (fr) * 1996-06-19 1997-12-29 AT&T Corp. Système et méthode pour reconfiguration automatique de réseaux
US5727163A (en) * 1995-03-30 1998-03-10 Amazon.Com, Inc. Secure method for communicating credit card data when placing an order on a non-secure network

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5727163A (en) * 1995-03-30 1998-03-10 Amazon.Com, Inc. Secure method for communicating credit card data when placing an order on a non-secure network
EP0814589A2 (fr) * 1996-06-19 1997-12-29 AT&T Corp. Système et méthode pour reconfiguration automatique de réseaux

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8681956B2 (en) 2001-08-23 2014-03-25 Paymentone Corporation Method and apparatus to validate a subscriber line
AT505905B1 (de) * 2007-09-21 2009-05-15 Chemiefaser Lenzing Ag Cellulosepulver und verfahren zu seiner herstellung
CN104899491A (zh) * 2015-05-28 2015-09-09 广东欧珀移动通信有限公司 一种数据转移方法及其装置
CN104899491B (zh) * 2015-05-28 2017-11-14 广东欧珀移动通信有限公司 一种数据转移方法及其装置

Also Published As

Publication number Publication date
EP1381981A2 (fr) 2004-01-21
DE19913096A1 (de) 2000-10-05
WO2000057319A3 (fr) 2003-11-06

Similar Documents

Publication Publication Date Title
EP1178444B1 (fr) Paiement électronique utilisant des SMS
DE69631706T2 (de) System zum Ermöglichen des Bestellens und Bezahlens von Dienstleistungen mittels eines Kommunikationsnetzwerkes
EP1240632B1 (fr) Procede et systeme de transaction de paiement
EP1240631B1 (fr) Procede et systeme de transaction de paiement
DE60020410T2 (de) System zum bezahldatenaustausch und dazu benutztes zahlungsendgerät
DE69732526T2 (de) Verfahren und Anordnung für vorbezahlte Telekommunikationsdienste
EP1240628B1 (fr) Procede pour la selection et le paiement de marchandises a l'aide d'un terminal mobile
EP0951774B1 (fr) Procede et systeme de transmission de commandes par un reseau de telecommunications
EP1116194A1 (fr) Procede et systeme permettant de payer des marchandises et services
EP1120759A2 (fr) Dispositif pour la fourniture et la facturation flexible de produits ou de services, distributeur utilisant ce dispositif et méthode pour sa mise en oeuvre
DE10156177A1 (de) Verfahren und Anordnung zur Durchführung einer bargeldlosen Zahlungstransaktion
DE69533486T2 (de) Verfahren und telekommnikationssystem für benutzergebührenabrechnung
WO2002043020A2 (fr) Procede et dispositif de transmission de donnees par telephones mobiles dans des operations de paiement par virements electroniques
DE29624476U1 (de) System zum Ermöglichen des Bestellens und Bezahlens von Dienstleistungen mittels eines Kommunikationsnetzwerkes
DE19843439C2 (de) Verfahren und System zum Bezahlen von Waren oder Diensten
WO2000057319A2 (fr) Procede et dispositif pour effectuer de maniere electronique des operations d'achat et de vente
EP1081919B1 (fr) Méthode pour donner une autorisation pour le payment de biens et/ou services achetés sur Internet dans des réseaux de transmission de données
EP1310928B1 (fr) Méthode pour effectuer une transaction monétaire utilisant un réseau de communication
EP1158471B1 (fr) Système, méthode et programme pour le paiement dans un réseau de télécommunication
DE10049164A1 (de) Verfahren zur gesicherten Durchführung einer Transaktion im elektronischen Zahlungsverkehr
DE10008280C1 (de) Verfahren und System zur automatischen Abwicklung von bargeldlosen Kaufvorgängen
DE60018768T2 (de) Prüfung der gültigkeit des betriebs während kommunikation zwischen zwei endgeräten eines digitalen netz
EP1275088A1 (fr) Procede et systeme pour charger ou recharger des cartes a puce inserees dans des appareils de radiotelephonie mobile avec une somme d'argent
EP1274971A2 (fr) Procede de paiement securise de livraisons et de services dans des reseaux ouverts
DE10133392C2 (de) Verfahren zur Gewährleistung zeitgleichen Wertübergangs -finanziell/materiell- bei Produktübergabe an den Käufer bei Versandgeschäften oder Lieferungen an Adressen die durch den Käufer festgelegt wurden mittels bargeldlosem Zahlungsverkehr

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): CN US

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
WWE Wipo information: entry into national phase

Ref document number: 2000916786

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 09937233

Country of ref document: US

WWP Wipo information: published in national office

Ref document number: 2000916786

Country of ref document: EP

WWW Wipo information: withdrawn in national office

Ref document number: 2000916786

Country of ref document: EP