WO2006113834A3 - Transactions commerciales en reseau - Google Patents

Transactions commerciales en reseau Download PDF

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Publication number
WO2006113834A3
WO2006113834A3 PCT/US2006/014801 US2006014801W WO2006113834A3 WO 2006113834 A3 WO2006113834 A3 WO 2006113834A3 US 2006014801 W US2006014801 W US 2006014801W WO 2006113834 A3 WO2006113834 A3 WO 2006113834A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
merchant
purchaser
identity
provider
Prior art date
Application number
PCT/US2006/014801
Other languages
English (en)
Other versions
WO2006113834A2 (fr
WO2006113834A9 (fr
Inventor
Bruce E Johnson
Chung Webster-Lam
Original Assignee
Microsoft Corp
Bruce E Johnson
Chung Webster-Lam
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 US11/376,535 external-priority patent/US7849020B2/en
Priority claimed from US11/379,143 external-priority patent/US8996423B2/en
Priority claimed from US11/379,133 external-priority patent/US20060235795A1/en
Priority to EP06758421A priority Critical patent/EP1872188A4/fr
Priority to AU2006236243A priority patent/AU2006236243B2/en
Priority to CA002601785A priority patent/CA2601785A1/fr
Application filed by Microsoft Corp, Bruce E Johnson, Chung Webster-Lam filed Critical Microsoft Corp
Priority to BRPI0608591-1A priority patent/BRPI0608591A2/pt
Priority to JP2008507849A priority patent/JP2008541206A/ja
Priority to MX2007012648A priority patent/MX2007012648A/es
Publication of WO2006113834A2 publication Critical patent/WO2006113834A2/fr
Priority to NO20074614A priority patent/NO20074614L/no
Priority to IL185978A priority patent/IL185978A0/en
Publication of WO2006113834A9 publication Critical patent/WO2006113834A9/fr
Publication of WO2006113834A3 publication Critical patent/WO2006113834A3/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/10—Protecting distributed programs or content, e.g. vending or licensing of copyrighted material ; Digital rights management [DRM]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/34—User authentication involving the use of external additional devices, e.g. dongles or smart cards
    • 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
    • G06Q20/08—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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/407—Cancellation of a transaction
    • 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
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H04W12/068—Authentication using credential vaults, e.g. password manager applications or one time password [OTP] applications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
    • H04W12/06—Authentication
    • H04W12/069—Authentication using certificates or pre-shared keys
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2135—Metering
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2137—Time limited access, e.g. to a computer or data

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Software Systems (AREA)
  • Signal Processing (AREA)
  • Computer Hardware Design (AREA)
  • General Engineering & Computer Science (AREA)
  • Technology Law (AREA)
  • Multimedia (AREA)
  • Computing Systems (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Mobile Radio Communication Systems (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Des modes de réalisation courants de la présente invention permettent l'autorisation et le paiement d'une transaction commerciale en ligne entre un acheteur et un commerçant, notamment la vérification d'une identité de l'acheteur et la vérification de la capacité de l'acheteur à payer ladite transaction, le fournisseur d'identité et le fournisseur de paiement étant souvent des entités de réseau différentes. Dans d'autres modes de réalisation, l'invention concerne des protocoles, des systèmes informatiques et d'autres mécanismes qui permettent l'authentification de l'identité et du paiement au moyen d'un module mobile qui établit une sécurité à niveau unique ou à multiples niveaux sur un réseau non sécurisé (par exemple l'Internet). D'autres modes de réalisation de l'invention permettent également une communication sécurisée trilatérale entre un commerçant, un consommateur et un fournisseur de paiement de sorte que les informations de compte sensibles soient opaques pour le commerçant, ledit commerçant ayant cependant suffisamment confiance dans la capacité du consommateur à payer pour les achats demandés. Dans un mode de réalisation encore différent, des informations de facturation électronique sont utilisées pour l'autorisation, la vérification des états financiers, le regroupement des paiements et à d'autres fins.
PCT/US2006/014801 2005-04-19 2006-04-19 Transactions commerciales en reseau WO2006113834A2 (fr)

Priority Applications (8)

Application Number Priority Date Filing Date Title
MX2007012648A MX2007012648A (es) 2005-04-19 2006-04-19 Transacciones comerciales de red.
JP2008507849A JP2008541206A (ja) 2005-04-19 2006-04-19 ネットワーク商取引
BRPI0608591-1A BRPI0608591A2 (pt) 2005-04-19 2006-04-19 transaÇÕes comerciais em rede
AU2006236243A AU2006236243B2 (en) 2005-04-19 2006-04-19 Network commercial transactions
CA002601785A CA2601785A1 (fr) 2005-04-19 2006-04-19 Transactions commerciales en reseau
EP06758421A EP1872188A4 (fr) 2005-04-19 2006-04-19 Transactions commerciales en reseau
NO20074614A NO20074614L (no) 2005-04-19 2007-09-12 Kommersielle nettverkstransaksjoner
IL185978A IL185978A0 (en) 2005-04-19 2007-09-17 Network commercial transactions

Applications Claiming Priority (8)

Application Number Priority Date Filing Date Title
US67275405P 2005-04-19 2005-04-19
US60/672,754 2005-04-19
US11/376,535 2006-03-15
US11/376,535 US7849020B2 (en) 2005-04-19 2006-03-15 Method and apparatus for network transactions
US11/379,133 US20060235795A1 (en) 2005-04-19 2006-04-18 Secure network commercial transactions
US11/379,133 2006-04-18
US11/379,143 US8996423B2 (en) 2005-04-19 2006-04-18 Authentication for a commercial transaction using a mobile module
US11/379,143 2006-04-18

Publications (3)

Publication Number Publication Date
WO2006113834A2 WO2006113834A2 (fr) 2006-10-26
WO2006113834A9 WO2006113834A9 (fr) 2007-11-01
WO2006113834A3 true WO2006113834A3 (fr) 2009-04-23

Family

ID=37115927

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/014801 WO2006113834A2 (fr) 2005-04-19 2006-04-19 Transactions commerciales en reseau

Country Status (12)

Country Link
EP (1) EP1872188A4 (fr)
JP (1) JP2008541206A (fr)
KR (1) KR20070120125A (fr)
CN (1) CN102368325A (fr)
AU (1) AU2006236243B2 (fr)
BR (1) BRPI0608591A2 (fr)
CA (1) CA2601785A1 (fr)
IL (1) IL185978A0 (fr)
MX (1) MX2007012648A (fr)
NO (1) NO20074614L (fr)
SG (1) SG161290A1 (fr)
WO (1) WO2006113834A2 (fr)

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CA2601785A1 (fr) 2006-10-26
BRPI0608591A2 (pt) 2010-01-19
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AU2006236243B2 (en) 2011-03-24
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