WO2001088770A1 - Procede ameliore d'achat et de location de produits sur internet - Google Patents

Procede ameliore d'achat et de location de produits sur internet Download PDF

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Publication number
WO2001088770A1
WO2001088770A1 PCT/AU2001/000608 AU0100608W WO0188770A1 WO 2001088770 A1 WO2001088770 A1 WO 2001088770A1 AU 0100608 W AU0100608 W AU 0100608W WO 0188770 A1 WO0188770 A1 WO 0188770A1
Authority
WO
WIPO (PCT)
Prior art keywords
customer
credit
merchant
verification operator
transaction
Prior art date
Application number
PCT/AU2001/000608
Other languages
English (en)
Inventor
David Gordon Attwells
Tony Khattar
Original Assignee
David Gordon Attwells
Tony Khattar
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 David Gordon Attwells, Tony Khattar filed Critical David Gordon Attwells
Priority to AU59945/01A priority Critical patent/AU5994501A/en
Publication of WO2001088770A1 publication Critical patent/WO2001088770A1/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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

Definitions

  • This invention relates to the marketing of goods and services.
  • the credit verification operator validates the purchase against a pre-approved credit limit from said credit source before issuing a payment approval directly to the merchant.
  • the operator may validate the transaction by reference to the credit source which in turn provides the payment approval to the merchant.
  • the personal identification information includes, but is not limited to, the customers telephone number.
  • said credit source comprise a telephone service provider and that the customer be billed for said transaction on the telephone account.
  • Figure 1 is a flow chart showing the basic transaction steps for a customer purchase from an internet merchant
  • Figure 2 illustrates a typical procedure by which a customer can register with said credit verification operator.
  • the customer at 1 accesses an internet shopping site 1A maintained by a merchant and selects a product for purchase or hire.
  • the customer then opens the appropriate icon to access a second web site 2 operated by the credit verification operator (hereinafter called "Secure Shop").
  • Secure Shop operated by the credit verification operator
  • an opportunity is preferably provided at 5 for the customer to apply for registration.
  • Secure Shop at 5A verifies the customers telephone number and/or PIN code against the telephone billing address on its data base.
  • Secure Shop at 6 then validates the transaction with the credit provider at 7 which supplies a payment approval number to the merchant at 8.
  • Preferably said payment approval number is unique to that particular transaction and therefore cannot be reused later for
  • Secure Shop may approve the transaction directly to the merchant after clearing the transaction amount against a credit limit on its data base for the customer pre-approved by the credit provider.
  • the transaction is completed by the credit provider then depositing the transaction amount to the account of the merchant at 12 and billing the customer at 13. Preferably the amount being debited to the customer's account is also immediately confirmed to the customer by E-mail at 14.
  • the credit provider may be either the telephone service provider or some other credit source such as Visa or the like.
  • internet facilities are provided at 15 by Secure Shop for initial registration of a customer, increase of credit limit, change/addition of registered addresses or the issue of a Secure Shop magnetically encoded card.
  • This card is particularly unique because no numbers or other identifying particulars would be embossed on the face of said card.
  • the card could be used when purchasing goods or services on credit other than over the internet.
  • additional identification could be provided for credit purchases by swiping the card and entry of a PIN and telephone number. No signature would then be needed to complete the transaction.
  • CPU2 forwards the information to CPU3 (Secure Shop data base with code access only) .
  • CPU3 retrieves this approval number and files it with the previously allocated customer number e.g. 003632AN4685, and (d) CPU3 then provides a PIN and sends it via CPU1 to the customer for future use of his account.
  • Secure Shop now has on file only a serial number (e.g. 003632AN4582) of a customer G. Gordon of 14/7 Kimberlie Street Sydney. There is no credit card information or other confidential information on the customer at Secure Shop.
  • serial number e.g. 003632AN4582
  • this invention at least in the form of the embodiment described provides a novel and improved method of purchasing or hiring products via the internet.
  • the customer's credit card details are kept confidential and are not available to either the merchant or Secure Shop.
  • the delivery of the product is provided only to the customer's registered address which is preferably the billing address for the telephone account. Access to credit card details is thus denied to unauthorised persons and moreover the customer card holder is immediately made aware of all purchases through delivery to the registered address only.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un procédé servant à effectuer une transaction d'achat ou de location de produit via Internet sans entrer de numéro de carte de crédit. Le procédé consiste en plusieurs étapes : un client (1) accède à un site web d'achat (1A) tenu à jour par un commerçant sur Internet, le client (1) choisit le produit qu'il veut acheter ou louer au commerçant, il (1) accède à un deuxième site web (2) tenu à jour par un opérateur de vérification du crédit, le client entre les informations d'identification personnelles (3, 4) dans le deuxième site web (2), l'opérateur de vérification du crédit vérifie ces informations en les comparant avec une base de données (5) contenant une ou plusieurs adresses de livraison pour le client, l'opérateur de vérification du crédit valide la transaction avec une source de crédit (6, 7), et fournit les adresses de livraison au commerçant pour que ce dernier puisse livrer le produit (11), et la source de crédit gère le paiement de la transaction au bénéfice du commerçant (12).
PCT/AU2001/000608 2000-05-15 2001-05-15 Procede ameliore d'achat et de location de produits sur internet WO2001088770A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU59945/01A AU5994501A (en) 2000-05-15 2001-05-15 An improved method of purchasing or hiring products on the internet

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AUPQ7517A AUPQ751700A0 (en) 2000-05-15 2000-05-15 An improved method of purchasing or hiring products on the internet
AUPQ7517 2000-05-15

Publications (1)

Publication Number Publication Date
WO2001088770A1 true WO2001088770A1 (fr) 2001-11-22

Family

ID=3821595

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU2001/000608 WO2001088770A1 (fr) 2000-05-15 2001-05-15 Procede ameliore d'achat et de location de produits sur internet

Country Status (2)

Country Link
AU (1) AUPQ751700A0 (fr)
WO (1) WO2001088770A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6839692B2 (en) * 2000-12-01 2005-01-04 Benedor Corporation Method and apparatus to provide secure purchase transactions over a computer network

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998002852A1 (fr) * 1996-07-12 1998-01-22 Ulrich Seng Procede de paiement sans especes de services pouvant etre commandes aupres d'un reseau de transmission de donnees sans connexion decentralise
WO1998040809A2 (fr) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Procede et systeme de traitement protege de transaction en direct
EP1052603A2 (fr) * 1999-04-26 2000-11-15 CheckFree Corporation Transactions sans numéraire ne faisant pas usage de cartes de crédit, de cartes de débit ou de chèques
WO2000070514A1 (fr) * 1999-05-17 2000-11-23 Cybermoola, Inc. Mecanisme de prepaiement pour achats en ligne
WO2000075749A2 (fr) * 1999-06-09 2000-12-14 Intelishield.Com, Inc. Systeme de paiement sur internet

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998002852A1 (fr) * 1996-07-12 1998-01-22 Ulrich Seng Procede de paiement sans especes de services pouvant etre commandes aupres d'un reseau de transmission de donnees sans connexion decentralise
WO1998040809A2 (fr) * 1997-03-13 1998-09-17 Cha! Technologies, Inc. Procede et systeme de traitement protege de transaction en direct
EP1052603A2 (fr) * 1999-04-26 2000-11-15 CheckFree Corporation Transactions sans numéraire ne faisant pas usage de cartes de crédit, de cartes de débit ou de chèques
WO2000070514A1 (fr) * 1999-05-17 2000-11-23 Cybermoola, Inc. Mecanisme de prepaiement pour achats en ligne
WO2000075749A2 (fr) * 1999-06-09 2000-12-14 Intelishield.Com, Inc. Systeme de paiement sur internet

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6839692B2 (en) * 2000-12-01 2005-01-04 Benedor Corporation Method and apparatus to provide secure purchase transactions over a computer network

Also Published As

Publication number Publication date
AUPQ751700A0 (en) 2000-06-08

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