WO2002019057A2 - Procede et dispositif pour la consolidation d'information de facturation et le paiement de fournisseurs sur un reseau - Google Patents

Procede et dispositif pour la consolidation d'information de facturation et le paiement de fournisseurs sur un reseau Download PDF

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Publication number
WO2002019057A2
WO2002019057A2 PCT/US2001/026098 US0126098W WO0219057A2 WO 2002019057 A2 WO2002019057 A2 WO 2002019057A2 US 0126098 W US0126098 W US 0126098W WO 0219057 A2 WO0219057 A2 WO 0219057A2
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
supplier
consolidation
payment
user
Prior art date
Application number
PCT/US2001/026098
Other languages
English (en)
Other versions
WO2002019057A3 (fr
Inventor
L. Michael Maritzen
Kiyohiko Niwa
Yoshihiro Tsukamura
Harold Aaron Ludtke
Original Assignee
Sony Electronics, Inc.
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
Priority claimed from US09/930,608 external-priority patent/US20020052797A1/en
Application filed by Sony Electronics, Inc. filed Critical Sony Electronics, Inc.
Priority to AU2001286585A priority Critical patent/AU2001286585A1/en
Publication of WO2002019057A2 publication Critical patent/WO2002019057A2/fr
Publication of WO2002019057A3 publication Critical patent/WO2002019057A3/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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems

Definitions

  • the invention relates generally to processing billing information and paying bills from different networked suppliers. More specifically, the invention relates to reuse of financial information to process billing information and pay multiple bills from multiple networked suppliers.
  • Mall-style portals located on a network such as the Internet, are becoming increasingly popular for the purchase of products or services from suppliers;
  • a user of a computer typically browses through web sites on the Internet and may go to XYZ.com, a mall that includes many suppliers such as Tower Records and CD Now.
  • the user may then select a compact disc (CD) from CD Now and a video from Tower Records.
  • CD compact disc
  • the user provides credit card information to pay for the CD and the video in individual transactions.
  • the user may be presented with more than one invoice from each supplier such as CD Now and Tower Records which is in contravention of most users' preference to reduce the type of information they receive on transactions.
  • the user is required to reveal his or her identity to the supplier during the transaction even though the user may wish to remain anonymous. It is therefore desirable to have a system or a method that addresses the disadvantages associated with conventional methods and systems.
  • Transaction information from more than one supplier on a network- enabled portal is consolidated by a consolidation payment service and a user provides payment information to the consolidation payment service a single time to pay the suppliers.
  • a consolidation payment service receives a first transaction data from a first supplier located on a network-enabled portal.
  • the consolidation payment service receives a second transaction data from a second supplier located on the network-enabled portal.
  • the consolidation payment service consolidates the first transaction data and the second transaction data.
  • the consolidation payment service receives payment information a single time from a user to pay the first supplier and the second supplier.
  • the user is presented with a single transaction history that includes the first transaction data and the second transaction data.
  • Figure 1 is a block diagram of one embodiment of a system configured to consolidate transaction information from more than one supplier and to provide payment information a single time for paying more than one supplier;
  • Figure 2 is a block diagram of one embodiment of a secure transaction system
  • Figure 3 is a block diagram of one embodiment of a privacy card for a personal transaction device
  • Figure 4 is a block diagram of one embodiment of a digital wallet for a personal transaction device.
  • Figure 5 is a flow diagram of one embodiment for a method of consolidating more than one transaction and providing payment information a single time for paying more than one supplier.
  • Figure 1 illustrates a block diagram of one embodiment of system 100 that is used to purchase a product or a service in a transaction from more than one supplier at web sites operating on servers 103A-103N while payment information is supplied a single time from the user to a consolidation payment service which operates, for example, on server 103A.
  • System 100 includes client 101 and conventional servers 103A-103N that are connected to network 102 such as the Internet or an intranet.
  • a transaction is a completion of an act (or acts) such as that which is involved in purchasing a product or a service in a business deal.
  • a product is a good as defined under the Uniform Commercial Code (UCC ⁇ 2- 105) or other suitable item.
  • Service is defined as a duty or as labor to be rendered by one person to another.
  • a supplier is an entity that offers a good or a service in exchange for something of value such as money.
  • a network-enabled portal is a web site (e.g., YAHOO! ⁇ SHOPPING) that is a "doorway" to the World Wide Web that typically presents numerous hyperlinks to useful web pages of suppliers that offer products or services.
  • some of the hyperlinks to suppliers may include Barnes&Noble.com, a supplier of books, Dell.com, a supplier of computers and a variety of other suppliers.
  • input /output device 107 such as a mouse connected to client 101
  • the user selects the hyperlink to Barnes&Noble.com in order to purchase a book concerning electrical circuits.
  • the user selects the book, places the book into a shopping cart, and orders the book from the supplier by indicating that he would like to purchase the book.
  • transaction data is generated at the supplier.
  • the transaction data related to the purchase of the book is sent from server 103N on interconnect 104 to server 103A where the consolidation payment service is executed.
  • the user then exits Barnes&Noble.com, returns to
  • YAHOOISHOPPING selects the hyperlink to Dell.com to purchase a computer.
  • the user selects the computer he wishes to purchase, places the computer into a shopping cart, and orders the computer.
  • the transaction data is transferred to the network-enabled portal that is configured to perform the function of the consolidation payment service.
  • the transaction data related to the purchase of the computer is sent on interconnect 104 to the consolidation payment service operating on server 103A. Thereafter, the user returns to the network-enabled portal (e.g., YAHOOISHOPPING) and indicates to the consolidation payment service that he has completed his shopping at the network-enabled portal.
  • the network-enabled portal e.g., YAHOOISHOPPING
  • consolidating transaction data involves linking the two transactions.
  • Information that may be used to link transaction data includes the user's name, social security card number, credit card number, or other suitable information.
  • the two transactions are linked through a unique number which may be associated with, for example, a transaction device described in Figures 3-4 that authorizes a transaction without revealing the identity of the user.
  • Table 1 illustrates one example of a single transaction history. After the two example transactions have been consolidated, the prices for the products are added and the sales tax calculated.
  • This single transaction history that is eventually presented to the user electronically through a graphical user interface or through a printer coupled to client 101, serves the purpose of summarizing the transactions that occurred at the network-enabled portal.
  • the two transactions, linked by the user's social security number, may be summarized as follows:
  • the total amount for the purchases shown on the transaction history is charged to the user through, for example, using information from a conventional credit card, a transaction device, or other suitable means.
  • the user provides this financial information a single time to the consolidation payment service in order to pay for both transactions. This makes the user's shopping experience on the Internet much more enjoyable especially during holiday shopping since payment information is provided once for multiple purchases from several suppliers.
  • Information that may be inputted a single time by the user to pay for the products typically includes the user's name, the address to which the product is to be delivered, the telephone number in which the user may be contacted, his or her credit card number, the expiration date of the card, or any other pertinent information.
  • conventional electronic commerce systems require that the user provide this same type of information to both suppliers in order to purchase both items.
  • the consolidation payment service is configured to properly send the correct amount of funds (or credit for funds) to the correct supplier.
  • the correct amount of funds or credit for funds
  • Barnes & Noble would electronically receive funds from the user's account that amount to $84 whereas Dell would electronically receive funds that amount to $2,625.
  • the consolidation payment service is configured to partition and provide funds to the original suppliers of the products and the distributors of the products.
  • songs may be purchased and downloaded from the Internet.
  • the consolidation payment service is configured to distribute funds (or credit for funds) to Sony, the author of the song, and to the singer of the song.
  • the consolidation payment service must be provided with the legal rights (also referred to herein as the digital payment right policy) associated with the song in terms of, for example, distribution of funds.
  • the song costs $1.00 and the digital payment right policy associated with the song indicates that Sony receives ninety-three percent of the proceeds, the singer is to receive six percent of the proceeds, and the author of the song is to receive one percent of the proceeds.
  • the consolidation payment service would ensure that Sony receives ninety-three cents credit, the singer receives six cents credit, and the author of the song receives one penny.
  • the singer and the author of the song receive the money due much faster (e.g., real-time) than conventional methods pay them such as over six months.
  • To participate in the consolidation payment service suppliers may agree to uniform policies. For example, one policy may encourage suppliers to share information with other suppliers that may reduce the price of the products to the user.
  • the consolidation payment service begins to tally the cost of the products and services. It would then recognize that since the user purchased an airline ticket from Southwest Airlines, the user should be granted a discount on the rental of his car from Hertz. The discount on the rental car would automatically be applied to the rental car fee by the consolidation payment service implementing the policy agreement.
  • a supplier may designate the type and the amount of information that is revealed to another supplier.
  • a supplier may desire to maintain the price of his or her product or service in confidence such that the price is not disclosed to another supplier. Accordingly, pricing information may not be revealed to another supplier.
  • some suppliers may find it desirable to share pricing information with other suppliers such as in competitive pricing situations.
  • Other policies that may be applicable to each supplier include uniform security measures (e.g. prevent third parties from accessing confidential information), customer service policies (e.g., dispute resolution agreements for resolving a dispute that arises with a customer) or other suitable policies.
  • the user may wish to prevent disclosure of his identity to a supplier by using a secure transaction system.
  • FIG. 2 is a block diagram of one embodiment of a secure transaction system, which may be used in electronic commerce.
  • a transaction privacy clearing house (TPCH) 515 may be used to interface the user (or consumer) 540 with vendor (supplier) 525 along with the consolidation payment service described with respect to Figure 1.
  • a personal transaction device (PTD) 570 e.g., privacy card 405, or privacy card 405 coupled to digital wallet 550, is used to maintain the privacy of the user while enabling the user to perform transactions.
  • PTD 570 may be any suitable device that allows unrestricted access to TPCH 515.
  • PTD 570 may include instruction logic implemented in a card (smart card) hand-held device or computer system of the user.
  • PTD 570 information is provided to TPCH 515 that then indicates to vendor 525 and user 540 approval of the transaction to be performed.
  • the transaction device information does not provide user identification information.
  • vendor 525 or other entities do not have user information. Instead, vendor 525 receives transaction device information.
  • TPCH 515 maintains a secure database of transaction device information and user information.
  • financial information such as a credit card account and billing name and address is provided by user 540 to PTD 570.
  • PTD 570 provides the financial information, exclusive of the user name and/or billing address to TPCH 515.
  • TPCH 515 interfaces to at least one financial processing system 520 to perform associated financial transactions, such as confirming sufficient funds to perform the transaction, and transfers to vendor 525 the fees required to complete the transaction.
  • TPCH 515 may also provide information through distribution function 530 that, in one embodiment, can provide a purchased product to user 540, again without vendor 525 knowing the identification of user 540.
  • financial processing system 520 need not be a separate entity but may be incorporated with other functionality.
  • financial processing system 520 may be combined with TPCH 515 functionality.
  • financial processing system 520 performs tasks of transferring funds between the user's account and the vendor's account for each transaction.
  • the presence of TPCH 515 means that no details of the transactions, other than the amount of the transactions and other basic information (such as an account number), are known to financial processing system 520.
  • TPCH 515 issues transaction authorizations to financial processing system 520 function on an anonymous basis on behalf of the user over a highly secure channel.
  • Financial processing system 520 does not need to have many electronic channels receiving requests for fund transfer, as in a traditional financial processing system.
  • a highly secure channel is set up between TPCH 515 and financial processing system 520; thus, financial processing system 520 is less vulnerable to spoofing.
  • financial processing system 520 is contacted by
  • TPCH 515 requesting a generic credit approval of a particular account.
  • financial processing system 520 receives a minimal amount of information.
  • the transaction information including the identification of goods being purchased with the credit need not be passed to financial processing system 520.
  • TPCH 515 can request the credit using a dummy charge ID that can be listed in the monthly credit statement sent to the user, so that the user can reconcile his credit statement.
  • PTD 570 can include functionality to cause the credit statement to convert the dummy charge ID back to the transactional information so that the credit statement appears to be a conventional statement that lists the goods that were purchased and the associated amount charged.
  • Display input device 560 may be included to enable the user, or in some embodiments vendor 525, to display status and provide input regarding PTD 570 and the status of the transaction to be performed.
  • entry point 510 interfaces with PTD 570 and also communicates with TPCH 515.
  • Entry point 510 may be an existing (referred to herein as a legacy point of sale (POS) terminal) or a newly configured POS terminal located in a retail environment.
  • POS point of sale
  • User 540 uses PTD 570 to interface to the POS terminal in a manner similar to how credit cards and debit cards interface with POS terminals.
  • Entry point- 510 may also be a public kiosk, a personal computer, or the like.
  • the system described herein may also provide distribution function
  • Distribution function 530 whereby products purchased via the system are distributed.
  • distribution function 530 is integrated with TPCH 515 functionality.
  • distribution function 530 may be handled separate from TPCH 515. Utilizing either approach, the system ensures user privacy and data security.
  • Distribution function 530 interacts with the user through PTD 570 to ship the product to the appropriate location.
  • PTD 570 interacts with the user through PTD 570 to ship the product to the appropriate location.
  • PTD 570 interacts with the user through PTD 570 to ship the product to the appropriate location.
  • a variety of distribution systems are contemplated, for example, electronic distribution through a POS terminal coupled to the network, electronic distribution direct to one or more privacy cards and /or digital wallets, or physical product distribution.
  • an "anonymous drop-off point" such as a convenience store or other ubiquitous location is used.
  • a "package distribution kiosk” may be used that allows the user to retrieve the package from the kiosk in a secure fashion.
  • the user may use PTD 570 to change
  • Privacy card 605 is configured to be the size of a credit card.
  • Privacy card 605 includes processor 610, memory 615 and input/output logic 620.
  • Processor 610 is configured to execute instructions to perform the functionality herein.
  • the instructions may be stored in memory 615.
  • Memory 615 is also configured to store data, such as transaction data and the like.
  • memory 615 stores the transaction ID used to perform transactions in accordance with the teachings of the present invention.
  • the processor may be replaced with specially configured logic to perform the functions described here.
  • Input/ output logic 620 is configured to enable privacy card 605 to send and receive information.
  • input/output logic 620 is configured to communicate through a wired or contact connection.
  • input /output logic 620 is configured to communicate through a wireless or contactless connection.
  • display 625 is used to generate bar codes scanable by coupled devices and used to perform processes as described herein.
  • Privacy card 605 may also include magnetic stripe generator 640 to simulate a magnetic stripe readable by devices such as legacy POS terminals.
  • biometric information such as fingerprint recognition
  • a fingerprint touch pad and associated logic 630 is therefore included in one embodiment to perform these functions.
  • security may be achieved using a smart card chip interface 650, which uses known smart card technology to perform the function.
  • Memory 615 can have transaction history storage area.
  • the transaction history storage area stores transaction records (electronic receipts) that are received from POS terminals.
  • the ways for the data to be input to the card include wireless communications and the smart card chip interface which functions similar to existing smart card interfaces. Both of these approaches presume that the POS terminal is equipped with the corresponding interface and can therefore transmit the data to the card.
  • Memory 615 can also have user identity/ account information block.
  • the user identity /account information block stores data about the user and accounts that are accessed by the card.
  • the type of data stored includes the meta account information used to identify the account to be used.
  • FIG. 4 One embodiment of a digital wallet 705 is illustrated in Figure 4.
  • Digital wallet 705 includes coupling peripheral port 710 for privacy card 605, processor 715, memory 720, input/output logic 725, display 730 and peripheral port 735.
  • Processor 715 is configured to execute instructions, such as those stored in memory 720, to perform the functionality described herein.
  • Memory 720 may also store data including financial information, eCoupons, shopping lists and the like.
  • the digital wallet may be configured to have additional storage. In one embodiment, the additional storage is in a form of a card that couples to the device through peripheral port 710.
  • privacy card 605 couples to digital wallet 705 through peripheral port 710; however, privacy card 605 may also couple to digital wallet 705 through another form of connection including a wireless connection.
  • Input/output logic 725 provides the mechanism for the digital wallet
  • Digital wallet 705 may also include display 730 for display of status information to the user. Display 730 may also provide requests for input and may be a touch sensitive display, enabling the user to provide the input through the display.
  • FIG. 5 is a flow diagram of one embodiment of a method that processes billing information and pays bills of different networked suppliers.
  • a consolidation payment service receives a first transaction data from a first supplier located on the network-enabled portal.
  • the consolidation payment service receives a second transaction data from a second supplier located on the network-enabled portal.
  • the first transaction data and the second transaction data are consolidated in the consolidation payment service.
  • payment information is provided a single time to the consolidation payment service from a user to pay the first supplier and the second supplier.
  • a single transaction history which includes the first transaction and the second transaction, is presented to the user.
  • the methods may be provided as a computer program product that may include a machine-readable medium having stored thereon instructions which may be used to program a computer (or other electronic devices) to perform the methods.
  • machine-readable medium shall be taken to include any medium that is capable of storing or encoding a sequence of instructions for execution by the machine and that cause the machine to perform any one of the methodologies of the present invention.
  • the term “machine-readable medium” shall accordingly be taken to include, but not be limited to, solid-state memories, optical and magnetic disks, and carrier wave signals.

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

Abstract

L'invention concerne la consolidation d'informations relatives à des transactions correspondant à plusieurs fournisseurs sur un portail activé par réseau. L'utilisateur fournit des informations de paiement au service de paiement par consolidation, en une seule fois, pour le paiement des fournisseurs. Le service en question reçoit des premières données de transaction de la part d'un premier fournisseur situé sur le portail considéré, puis des secondes données de transaction de la part d'un second fournisseur situé sur ledit portail. Ce service consolide les premières et secondes données et reçoit l'information de paiement en une seule fois de la part d'un utilisateur pour le paiement des premier et second fournisseurs. L'utilisateur reçoit ensuite un historique de transaction unique comprenant lesdites premières et secondes données.
PCT/US2001/026098 2000-08-31 2001-08-20 Procede et dispositif pour la consolidation d'information de facturation et le paiement de fournisseurs sur un reseau WO2002019057A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001286585A AU2001286585A1 (en) 2000-08-31 2001-08-20 Method and apparatus for consolidating billing information and paying suppliers on a network

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US22961200P 2000-08-31 2000-08-31
US60/229,612 2000-08-31
US25450100P 2000-12-08 2000-12-08
US60/254,501 2000-12-08
US09/930,608 2001-08-15
US09/930,608 US20020052797A1 (en) 2000-08-23 2001-08-15 Customizing a price of a product or a service by using an intelligent agent

Publications (2)

Publication Number Publication Date
WO2002019057A2 true WO2002019057A2 (fr) 2002-03-07
WO2002019057A3 WO2002019057A3 (fr) 2007-03-01

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PCT/US2001/026098 WO2002019057A2 (fr) 2000-08-31 2001-08-20 Procede et dispositif pour la consolidation d'information de facturation et le paiement de fournisseurs sur un reseau

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AU (1) AU2001286585A1 (fr)
WO (1) WO2002019057A2 (fr)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5875437A (en) * 1987-04-15 1999-02-23 Proprietary Financial Products, Inc. System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing
US6064971A (en) * 1992-10-30 2000-05-16 Hartnett; William J. Adaptive knowledge base
US6128603A (en) * 1997-09-09 2000-10-03 Dent; Warren T. Consumer-based system and method for managing and paying electronic billing statements

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5875437A (en) * 1987-04-15 1999-02-23 Proprietary Financial Products, Inc. System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing
US6064971A (en) * 1992-10-30 2000-05-16 Hartnett; William J. Adaptive knowledge base
US6128603A (en) * 1997-09-09 2000-10-03 Dent; Warren T. Consumer-based system and method for managing and paying electronic billing statements

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Publication number Publication date
AU2001286585A8 (en) 2007-03-29
AU2001286585A1 (en) 2002-03-13
WO2002019057A3 (fr) 2007-03-01

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