WO2003102888A1 - Procede permettant d'effectuer des transactions numeriques, programme informatique et ordinateur - Google Patents

Procede permettant d'effectuer des transactions numeriques, programme informatique et ordinateur Download PDF

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Publication number
WO2003102888A1
WO2003102888A1 PCT/NL2003/000407 NL0300407W WO03102888A1 WO 2003102888 A1 WO2003102888 A1 WO 2003102888A1 NL 0300407 W NL0300407 W NL 0300407W WO 03102888 A1 WO03102888 A1 WO 03102888A1
Authority
WO
WIPO (PCT)
Prior art keywords
party
order
processing step
digital
purchasing
Prior art date
Application number
PCT/NL2003/000407
Other languages
English (en)
Inventor
Martinus Jozef Van Heyningen
Original Assignee
Marter B.V.
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=29714414&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO2003102888(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Priority claimed from NL1020734A external-priority patent/NL1020734C2/nl
Application filed by Marter B.V. filed Critical Marter B.V.
Priority to EP03733625A priority Critical patent/EP1543482A1/fr
Priority to AU2003241917A priority patent/AU2003241917A1/en
Publication of WO2003102888A1 publication Critical patent/WO2003102888A1/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
    • G06Q20/02—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
    • G06Q20/04—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"

Definitions

  • the amount paid by the digital bank from a plurality of paying parties, or to claim this amount from a paying party other than the purchasing party.
  • the method according to the invention is for instance applied in the care sector, where performing of digital transactions is usually realized by rendering services (for payment)
  • each paying party i.e. in this case the health insurance concern and the purchasing party, to pay a part of the amount due.
  • the reading device can take a personalized form, wherein the reading device is adapted specifically for co-action with the (specific) personalized key, but the reading device can also be a universal reading device suitable for a plurality of keys.
  • the key can take a physical and/or digital form and can be of very diverse nature and type.
  • the purchasing party has preferably created a digital account with the digital bank prior to the purchasing party making electronic contact between a key and a reading device as according to processing step A).
  • the account can then be formed by for instance a current account, into which the purchasing party can deposit a determined credit balance, and wherein the digital bank can optionally provide credit facilities.
  • the (balance of the) account then serves as a basis for the digital transaction to be performed.
  • digital payment by a digital bank of an amount owed for the order to the selling party according to processing step E) and digital debiting of the purchasing party by the digital bank for the amount according to processing step F) are realized by debiting a credit balance placed by the purchasing party into the digital account.
  • the credit balance in the account of the purchasing party at the digital bank can be instantly decreased by the monetary value of the order, whereby the selling party thus (digitally) receives the amount owed by the purchasing party immediately and without delay.
  • Encoding of the data relating to the order and the purchasing party according to processing step G) takes place through interaction between the key and the reading device.
  • the method is preferably also provided with a processing step H), comprising of decoding the encoded data after sending the order and data of the purchasing party via a digital network to a server associated with a selling party as according to step C).
  • the data can then be stored on the server in encoded or in decoded form. Only when stored data are referred to can another decoding step then optionally take place.
  • the decoding preferably takes place using the same algorithm as applied in encoding the data for transmitting over the network.
  • the method is preferably performed at least partially via the internet. Nevertheless, due to the application of relatively small-scale interest platforms on the internet, a relatively small-scale intranet is in fact created, wherein the advantages is taken of the established basis of the internet.
  • the key is formed by a USB key.
  • a USB key comprises a unique chip, which chip is provided with personalized data.
  • the advantage of the USB key is that it can be plugged in simple manner into substantially any computer, whereby a personalized read device is not required.
  • Another advantage of applying the USB key is that digital transactions can be carried out in a relatively safe digital environment.
  • the key is formed by a payment card, in particular a chip card.
  • the data present on the key are stored in a magnetic strip, which magnetic strip can form part of a payment card. A payment card can thus be produced and issued as key relatively cheaply using existing techniques.
  • it is also conceivable to apply other types of key such as for instance a mobile phone.
  • delivery of the order by the selling party to the purchasing party according to processing step D) takes place after an amount due for the order is paid digitally to the selling party by a digital bank as according to processing step E). Because of the relatively small-scale network a loyalty or bond usually results between purchasing party and selling party, whereby delivery of the order can take place on a trust basis before any quid pro quo by the purchasing party, i.e. digital payment of the amount due for the order.
  • FIG. 1 shows a first embodiment of a system 1 suitable for applying the method according to the invention.
  • System 1 comprises a plurality of purchasing parties 2, which purchasing parties 2 each dispose of a chip card 3 provided with a chip 4 on which are stored personalized data.
  • the data stored on chip card 3 can be read by a unique card reader 5 associated with chip card 3.
  • chip card 3, or at least chip 4 makes electronic contact with card reader 5, contact can be made via internet 6 with a server 7 of a specific selling party 8.
  • a unique personalized USB key respectively a universal computer can for instance also be used.
  • the chip cards 3 used by the purchasing parties 2 are here only adapted to dial into the specific server 7.
  • Chip card 3 is therefore also provided with a decorative surface 9 which the purchasing parties 2 will recognize as originating from the specific selling party 8.
  • a purchasing party 2 can further place an order for one or more products on server 7 of the selling party 8.
  • this order will first be encoded by card reader 4 before the relevant data are sent via the internet 6.
  • Server 7 is then provided with a decoding device for decrypting the coded data of the order.
  • the order is then immediately transmitted by server 7 to a stock control system 10, whereafter the order can be delivered by a courier service to the purchasing party 2 in question.
  • the product which has been removed from the stock is replenished by sending an automatically generated digital order to a supplier 11 of the sold product.
  • the stock of the selling party 8 can thus be maintained.
  • the selling party 8 it is therefore possible for the selling party 8 to provide the purchasing parties 2 with specific information in accordance with the identified interests and requirements. It is optionally also conceivable that the different purchasing parties 2 can make mutual contact via server 7 in order to exchange information.
  • server 7 the system 1 forms a small-scale closed circuit, whereby a certain degree of bonding will generally result between the purchasing parties 2 and the selling party 8 and possibly among the purchasing parties 2 themselves.
  • FIG. 2 shows a second embodiment of a system 13 suitable for applying the method according to the invention.
  • the system is provided with four purchasing parties 14, 15, 16, 17, which purchasing parties 14, 15, 16, 17 each have available two unique card readers 18,19.
  • Card readers 18,19 are each suitable for reading one unique personalized payment card 20, 21.
  • Data stored on payment card 20, 21 are stored in the case of payment card 20 in a chip 22 and in the case of the other payment card 21 in a magnetic strip 23.
  • 21 contact can be made, via a user interface 24, via internet or any other new or existing network 25, with a specific server 26, 27, 28 associated with payment card 20, 21, of a selling party 29, 30, 31.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un procédé permettant d'effectuer des transactions numériques. L'invention concerne également un programme informatique comprenant des instructions de programme permettant qu'un ordinateur mette en oeuvre un tel procédé. Enfin, l'invention concerne un ordinateur conçu pour exécuter un tel programme informatique.
PCT/NL2003/000407 2002-05-31 2003-05-30 Procede permettant d'effectuer des transactions numeriques, programme informatique et ordinateur WO2003102888A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP03733625A EP1543482A1 (fr) 2002-05-31 2003-05-30 Procede permettant d'effectuer des transactions numeriques, programme informatique et ordinateur
AU2003241917A AU2003241917A1 (en) 2002-05-31 2003-05-30 Method for performing digital transactions, computer program and computer

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
NL1020734A NL1020734C2 (nl) 2002-05-31 2002-05-31 Werkwijze voor het verrichten van digitale transacties, computerprogramma, en computer.
NL1020734 2002-05-31
NL1022105 2002-12-06
NL1022105A NL1022105C1 (nl) 2002-05-31 2002-12-06 Werkwijze voor het verrichten van digitale transacties, computerprogramma, en computer.

Publications (1)

Publication Number Publication Date
WO2003102888A1 true WO2003102888A1 (fr) 2003-12-11

Family

ID=29714414

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/NL2003/000407 WO2003102888A1 (fr) 2002-05-31 2003-05-30 Procede permettant d'effectuer des transactions numeriques, programme informatique et ordinateur

Country Status (4)

Country Link
EP (1) EP1543482A1 (fr)
AU (1) AU2003241917A1 (fr)
NL (1) NL1022105C1 (fr)
WO (1) WO2003102888A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2869702A1 (fr) * 2004-04-28 2005-11-04 France Telecom Procedure d'acces a un service pre ou post-paye avec authentification d'un compte utilisateur et gestion dudit compte

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1003139A2 (fr) * 1997-04-30 2000-05-24 Visa International Service Association Système de paiement et de rechargement par Internet, utilisant une carte à puce
WO2001011515A2 (fr) * 1999-05-28 2001-02-15 Spendcash.Com, Inc. Procede et systeme permettant de faire des paiements electroniques anonymes sur le web
EP1100056A2 (fr) * 1999-11-11 2001-05-16 Threecodex S.r.l. Méthode pour réaliser une trasaction de paiement online utilisant une carte prépayée et une carte associée
WO2001037228A1 (fr) * 1999-11-17 2001-05-25 Hackenbruch Hans Peter Systeme et procede de debit de compte anonyme
WO2001059630A1 (fr) * 2000-02-14 2001-08-16 Ong Yong Kin Michael Transferts electroniques de fonds - zipfund
FR2808636A1 (fr) * 2000-05-05 2001-11-09 Michel Boisselet Procede de paiement securise sur le reseau internet et dispositif pour sa mise en oeuvre
EP1156435A2 (fr) * 2000-04-17 2001-11-21 Aspect Internet Holding Limited Système de paiement de commerce électronique
EP1276083A1 (fr) * 2001-07-11 2003-01-15 Intellect Investments B.V. Procédé et dispositif pour effectuer et pour suivre une commande par un réseau de communication, par exemple Internet

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1003139A2 (fr) * 1997-04-30 2000-05-24 Visa International Service Association Système de paiement et de rechargement par Internet, utilisant une carte à puce
WO2001011515A2 (fr) * 1999-05-28 2001-02-15 Spendcash.Com, Inc. Procede et systeme permettant de faire des paiements electroniques anonymes sur le web
EP1100056A2 (fr) * 1999-11-11 2001-05-16 Threecodex S.r.l. Méthode pour réaliser une trasaction de paiement online utilisant une carte prépayée et une carte associée
WO2001037228A1 (fr) * 1999-11-17 2001-05-25 Hackenbruch Hans Peter Systeme et procede de debit de compte anonyme
WO2001059630A1 (fr) * 2000-02-14 2001-08-16 Ong Yong Kin Michael Transferts electroniques de fonds - zipfund
EP1156435A2 (fr) * 2000-04-17 2001-11-21 Aspect Internet Holding Limited Système de paiement de commerce électronique
FR2808636A1 (fr) * 2000-05-05 2001-11-09 Michel Boisselet Procede de paiement securise sur le reseau internet et dispositif pour sa mise en oeuvre
EP1276083A1 (fr) * 2001-07-11 2003-01-15 Intellect Investments B.V. Procédé et dispositif pour effectuer et pour suivre une commande par un réseau de communication, par exemple Internet

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2869702A1 (fr) * 2004-04-28 2005-11-04 France Telecom Procedure d'acces a un service pre ou post-paye avec authentification d'un compte utilisateur et gestion dudit compte

Also Published As

Publication number Publication date
AU2003241917A1 (en) 2003-12-19
NL1022105C1 (nl) 2003-12-02
EP1543482A1 (fr) 2005-06-22

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