WO2001068381A1 - Internet payment method and means - Google Patents
Internet payment method and means Download PDFInfo
- Publication number
- WO2001068381A1 WO2001068381A1 PCT/FR2001/000749 FR0100749W WO0168381A1 WO 2001068381 A1 WO2001068381 A1 WO 2001068381A1 FR 0100749 W FR0100749 W FR 0100749W WO 0168381 A1 WO0168381 A1 WO 0168381A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- fiduciary
- title
- card
- identifier
- internet
- Prior art date
Links
Classifications
-
- 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
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
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- B—PERFORMING OPERATIONS; TRANSPORTING
- B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
- B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
- B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
- B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
- B42D25/29—Securities; Bank notes
-
- 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
- G06Q20/342—Cards defining paid or billed services or quantities
-
- 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
-
- 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
- G07F7/12—Card verification
- G07F7/127—Card verification in which both online and offline card verification can take place
Definitions
- the present invention relates to the field of payment by prepaid cards and means of delivery or gift vouchers.
- the merchant visually checks the validity of the gift voucher.
- the support includes more or less elaborate security signs, such as watermark, hologram or marking with special inks.
- patent FR2779381 concerning a telephone card with an attached code. It is intended to make available to a user a telephone credit determined by one or more numbers access to a server and to a specific code, printed on two separate supports assembled by gluing.
- the main medium is intended to receive the fixed and constant characteristics of the server in particular and can also receive information or messages of a promotional or advertising nature.
- the secondary support is intended to receive the characteristics specific to a given credit, and therefore variable.
- French patent FR2665006 describes a means of protection against fraudulent use of anonymous stolen or lost checks or investments.
- French payment FR2739322 has also proposed a payment voucher on networks, in particular the Internet, comprising a flat rectangular support carrying a serial number as a means of identification.
- the medium also includes the mention of a certain number of sub-amounts, the sum of which constitutes the value of said payment document, a box being associated with each of the sub-amounts and this box bearing a masked code number which can be discovered by scraping.
- the value of said payment voucher is reduced by the sub-amount (s) associated with the box (es) whose code number has been discovered by scratching.
- the object of the present invention is to provide a fiduciary security or a means of discount simple to implement for a user wishing to be able to use it both for online purchases on the Internet or any other telecommunications network and for purchases in a store.
- the invention relates first of all to a method of payment by compensable fiduciary securities in a trade operation [a prepaid card, a means of discount, a gift voucher or a card or random game method] for use mixed on a communication network [Internet, WAP, Minitel, mobile phone, ...] as well as in the physical world comprising a step of giving the user a fiduciary title and a second step of transmitting at least an identifier of said fiduciary title to a server, characterized in that the fiduciary title consists of a material medium comprising a first information zone in which a unique identifier appears and a second information zone masked before use, in which a key appears correlated with said unique identifier and in that the second step consists
- the second step is carried out at the time of the transaction in the case of online use or subsequently by the merchant, in the event of use in the real world, in real or delayed time, or even by withdrawal by the beneficiary (the merchant or his agent) of the unmasked support, after allocation of the advantage in the physical world.
- the server comprises a secure database in which the unique identifier of each of the titles sold is recorded, as well as an indicator on the state of use of said titles sold.
- the indicator of the state of use consists of the balance of fractional shares partially used.
- the payment step further comprises the transmission of an identifier of an order and in that the server transmits to the merchant associated with the order identifier a payment notification after verification of the validity of the 'title identifier and / or associated key.
- the invention also relates to a compensable fiduciary security in a trade operation [a prepaid card, a means of discount, a gift voucher or a card or random game method] for mixed use on a communication network [Internet, WAP, Minitel, mobile phone, ...] as well as in the physical world characterized in that it comprises at least one part having a first information zone in which there is a unique identifier and a second information zone masked before use , in which there is a key correlated to said unique identifier.
- the title is constituted by a support having a tear line passing through said second information zone, so as to cut the printing zone of the key in two and make it unusable.
- it is constituted by a plurality of adjacent parts each comprising a first information area in which there is a unique identifier and a second information zone masked before use, in which a key correlated to said unique identifier appears.
- the second information area is covered by a masking means integrating in an inseparable manner the nominal compensation value, and appearing on another part of the ticket only in a visibly distinctive form.
- the nominal value is for example printed on the coating to be scratched, and is definitively degraded when the second zone is unmasked. The nominal value therefore disappears definitively during this unmasking, and avoids unexpected compensation in the event of an inadequate verification.
- the nominal value may appear "for the record" on another part of the title, in particular in the second zone, in a clearly distinctive form, for example in the form of a print in small characters, possibly supplemented by a message advising that this second mention should not be interpreted as allowing a new compensation for the title presented.
- the invention also relates to a payment system on the Internet or any other telecommunications network for implementing the invention, characterized in that it comprises a server comprising means for receiving messages from users, comprising at least one identifier of a title, an associated key and an identifier of an order, the server comprising a database in which the identifiers of the titles sold are recorded, as well as means of verifying the validity of an identifier and the associated key and notification of payment in case of positive verification.
- FIG. 1 represents a top view of a first embodiment of the ticket according to the invention
- FIG. 2 represents a top view of a second embodiment of the ticket according to the invention.
- the organization for managing the payment system according to the invention publishes prepaid tickets or prepaid checks which are sold normally or online in consideration for the payment of a nominal amount entered on the security or check.
- Each title includes, in addition to the nominal amount and advertising or professional information, first “open” information, forming a unique serial number, and an area masked by scratch-off ink.
- the serial number is assigned when the title is produced so that two titles never have the same number. They can be assigned randomly with a uniqueness check or even serially.
- the serial numbers printed at the time of production of the title are also recorded in a database. In the same database, the date of entry into circulation is also recorded, in the example proposed. The period of validity may be limited in time.
- a key is also calculated, for example by a cryptographic algorithm, correlated in a non-determinable manner to the serial number.
- This key is printed in an area covered with removable ink or by any other removable sealing means by an irreversible action.
- the holder who purchases this title or who holds it (following a gift or theft) can use it as well for a traditional purchase, on presentation of the title where the key has not been unmasked, as for an online purchase. In the latter case, it will proceed in a known manner to an online order. Payment will be made by transmitting the serial number appearing on the title and by entering the key which will be read after unmasking the area covered with the ink to be scratched off. The transmission of this information can be done securely in an SSL session.
- the message transmitted by the user to the server therefore includes: the serial number of the title used, the “masked” key, -identification information of the order, and if possible an identifier of the merchant, for example his URL or his IP address, and possibly the amount to pay.
- the server receives this information and checks whether the serial number is valid and whether it appears in the serial number database of the securities issued. In the event of a positive verification, the server verifies whether the key corresponds to a key recalculated from the transmitted serial number. In the event of a positive response, the server will notify the merchant that the payment has been made, and assign a consumption indicator to the serial number in the database. This indicator can be a binary "yes / no" indicator.
- Figure 1 shows a first embodiment of the title.
- the ticket is formed by a support (1) made of cardboard or plastic.
- the title presents a zone (3) containing an identifier of the title and a second zone (4) covered by an opaque material which can be removed by scraping, but only definitively.
- This area (4) contains a number which can be used in two forms.
- the designation of the counterparty financial, for example the value of the voucher is overprinted on this opaque masking material, in contrasting color. It does not appear on any other part of the voucher.
- the scraping of the opaque material with a view to unmasking the zone (4) produces the definitive removal of this indication of the value of the voucher.
- the user For use of the title for payment or online delivery, the user unmasks this area and transmits the number that appears on the Internet. It then destroys the indication relating to the value of the voucher, which avoids a second use in the real world, of a voucher already used on the Internet.
- the holder of the title gives the unmasked title to the merchant who cuts it at the breaking line (2), insofar as this line passes through the area (4), the merchant returns the title thus unusable for transmission on the Internet, it keeps the section detached from the title for destruction or classification for archival purposes.
- the merchant keeps the section containing the title identifier, and will subsequently communicate it to the server or to a centralizing organizer who will inhibit the corresponding title by removing it from the server's database.
- Figure 2 shows an alternative embodiment, where the title is made up of three parts (8 to 10).
- the two side flaps (8, 10) are separated from the central flap (9) by breaking lines (11, 12).
- Each side panel (8, 10) can be used as a title previously described.
Landscapes
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP01913998A EP1272354A1 (en) | 2000-03-13 | 2001-03-13 | Internet payment method and means |
AU2001239390A AU2001239390A1 (en) | 2000-03-13 | 2001-03-13 | Internet payment method and means |
Applications Claiming Priority (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
FR0003183A FR2806190B1 (en) | 2000-03-13 | 2000-03-13 | INTERNET PAYMENT METHOD AND MEANS |
FR00/03183 | 2000-03-13 | ||
FR00/14894 | 2000-11-17 | ||
FR0014894A FR2806191B3 (en) | 2000-03-13 | 2000-11-17 | INTERNET PAYMENT METHOD AND MEANS |
FR01/03117 | 2001-03-07 | ||
FR0103117A FR2806192B1 (en) | 2000-03-13 | 2001-03-07 | INTERNET PAYMENT METHOD AND MEANS |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2001068381A1 true WO2001068381A1 (en) | 2001-09-20 |
Family
ID=27248631
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/FR2001/000749 WO2001068381A1 (en) | 2000-03-13 | 2001-03-13 | Internet payment method and means |
Country Status (4)
Country | Link |
---|---|
EP (1) | EP1272354A1 (en) |
AU (1) | AU2001239390A1 (en) |
FR (1) | FR2806192B1 (en) |
WO (1) | WO2001068381A1 (en) |
Families Citing this family (2)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2821792B3 (en) | 2001-03-07 | 2003-05-02 | Karim Benjelloun | TITLE OF PAYMENT CONSTITUTED BY A MEDIUM HAVING A HIDDEN AREA |
FR2840434A1 (en) * | 2002-05-31 | 2003-12-05 | Anne Marie Etcheverry | AUTHENTICATION AND VIRTUAL AND / OR REAL PAYMENT DEVICE AND IMPLEMENTATION METHOD |
Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2665006A3 (en) * | 1990-07-17 | 1992-01-24 | Kourtchevsky Georges | Measures proposed for protection against the fraudulent use of stolen or lost cheques or anonymous investments (treasury bills, etc.) |
FR2739322A1 (en) * | 1995-12-19 | 1997-04-04 | Ittah Aaron | Network payment card esp. for Internet payment |
FR2780339A1 (en) * | 1998-06-25 | 1999-12-31 | Narboni Ets | Formation of scratch-off masked areas on surface of data storage cards |
-
2001
- 2001-03-07 FR FR0103117A patent/FR2806192B1/en not_active Expired - Fee Related
- 2001-03-13 EP EP01913998A patent/EP1272354A1/en not_active Withdrawn
- 2001-03-13 AU AU2001239390A patent/AU2001239390A1/en not_active Abandoned
- 2001-03-13 WO PCT/FR2001/000749 patent/WO2001068381A1/en not_active Application Discontinuation
Patent Citations (3)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FR2665006A3 (en) * | 1990-07-17 | 1992-01-24 | Kourtchevsky Georges | Measures proposed for protection against the fraudulent use of stolen or lost cheques or anonymous investments (treasury bills, etc.) |
FR2739322A1 (en) * | 1995-12-19 | 1997-04-04 | Ittah Aaron | Network payment card esp. for Internet payment |
FR2780339A1 (en) * | 1998-06-25 | 1999-12-31 | Narboni Ets | Formation of scratch-off masked areas on surface of data storage cards |
Also Published As
Publication number | Publication date |
---|---|
EP1272354A1 (en) | 2003-01-08 |
FR2806192A1 (en) | 2001-09-14 |
AU2001239390A1 (en) | 2001-09-24 |
FR2806192B1 (en) | 2003-03-07 |
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