Classifications

• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
  • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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
  • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
• • G—PHYSICS
  • G06—COMPUTING OR CALCULATING; 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

Definitions

• the subject of the present invention is, as a new industrial product, an electronic commerce method making it possible to carry out, via a network including the Internet, authentication and / or an order and / or a purchase and / or a secure online payment.
• the present invention aims to remedy these drawbacks and relates to a computer medium which is arranged to carry out by a network such as the Internet, authentication and / or an order and / or a purchase and / or a secure online payment by a simple inserting said medium into the appropriate reader of a computer.
• a network such as the Internet
• FIG. 1 is a block diagram of the first step of said method and which relates to accessions to said issuer.
• fig. 2 is a block diagram of the process in operating order.
• a payment institution or issuer is made up of three types of actors adhering to it, either:
• Said issuer then sends forms to its stakeholders in order to collect their membership as well as their contact details and their bank identity statements.
• the issuer is also given an authorization - for automatic bank direct debit or other direct debit means. After the return of said accessions, information and authorizations, the issuer then has a base of- data allowing it to function as a confident and unifying third party.
• the sender then sends customers a computer medium which can be a floppy disk and to which is assigned not a number but a series of numbers or signs.
• This support is also provided with software, a computer program product which has the function of transmitting one of said numbers or signs online, at each introduction of said support into a computer, and at each introduction another sign or number as well as the contact details of said client.
• FOR PERFORMED. A PAYMENT at the end of an online purchase, the merchant presents the bill on the customer's screen and asks him by what means he wishes to pay. the customer then lets him know that he is paying through the issuing body, and then introduces the payment medium in the form of a diskette or a CB Rom into his computer reader.
• the issuer collects said amount or blocks it by compensatory amount and then gives the green light to the merchant so that the latter can proceed with the shipment of the merchandise.
• the carrier confirms it to the issuer who then releases payment to the merchant after having, however, waited until the legal period for the return of the goods has elapsed.
• the customer can know the progress of his orders as well as he can know if the carrier - has already removed the goods, if the issuer has already given the green light, if the merchant has already been paid, if he himself has already been debited, if the T ⁇ tox merchandise has already been returned, on what date his order has been settled.
• the merchant can also know the different information concerning him, as well as the transporter.
• (1) represents the merchant's bank. IN THE FIRST TIME, the sender (l) sends forms (2) to customers, traders (4) and carriers (5) • 0
• the form intended for customers also includes said payment medium.
• the transmitter becomes operational.
• the customer transmits to the merchant one of said signs 1 as well as his contact details (6) and the merchant retransmits: this information (7) to the issuer.
• the emitter- () checks the validity of the information thus received, the
• a SIXTH TIME on receipt of the green light (10), the merchant sends the goods (11) ordered via a member carrier.
• the customer receives the goods and the carrier transmits (12) a copy of the bulletin delivery date to the issuer, which records the delivery date.
• the issuer transmits (3) the regulation in question to the merchant's bank and files the file.
• COUNTER TIMES if the customer returns the goods within the legal deadlines, he must use a member carrier and the latter is required to send a copy of the delivery note of this return to the issuer.
• the organization reimburses the customer for the amount considered and informs the merchant thereof.
• the method also consists in sending by said computer medium, to said transmitter, in addition to one of said signs, the addition page of a website on which the product to be ordered appears.
• the latter After validation of said sign by said issuer, the latter sends said website an electronic mail in which an order appears which includes said web page, as well as a letter of payment or other means of payment.
• ybat.html a file called ybat.html which contains at least one link and computer data.
• This medium then allows the Internet user to carry out both an order and an online payment by simply entering it in the appropriate reader of a computer at the time when the web page for adding a merchant site or another page of such a site or another site is displayed on the screen.
• 1chek.htm activate an input field which is on this file deposit the elements previously entered activate a mailto link which is on this file activate floppy shortcut delete said file rename the following file by giving it the same name as the file which has just been deleted activate another file of another type, ybat.hy l which is also saved on the said floppy disk.
• the process operates on all web pages without the need to configure them for the use of said process or to install anything there, both before, during, and after said use.
• One of the environments in which the present process operates is WINDOWS 95/98 and + with a MICROSOFT 4/4 and + or NETSCAPE browser.
• the present invention has considerable advantages over what currently exists in terms of securing online payments. Thus, it makes unnecessary any attempt at online piracy, or fraudulent use of said signs after their transmission, the signs which are transmitted - according to the present process, have an ephemeral lifetime, since they are only valid for time their transmission line from the customer to the merchant and the merchant to the issuer e t to each payment is another sign of the said series which is transmitted to traders. In fact, said signs are identified as soon as they arrive at the issuer, then recorded and finally, invalidated.
• said payment medium that said customer enters into his computer to make a payment is still provided with software which transmits, at the same time as the sign, the coordinates of said customer which said merchant needs, to ensure the delivery and thus avoids the customer always tedious and long handling of the computer keyboard.
• the absolute security thus obtained allows the issuing body to guarantee the successful completion of online transactions, through its intermediary.
• Cybercomers must currently install payment and authentication software which they obtain from service providers, in particular those who use bank cards or smart cards.
• the cyber-merchants then receive from the emitter of the floppy disk, an electronic mail in which appears an order which includes said addition page, accompanied by a letter of payment.
• the IT support can be a specific floppy disk.
• Said specific floppy disk can be used on any computer, including that of a merchant, in order to make a direct purchase in his store or space.
• the files saved on said specific floppy disk can be different in nature from those mentioned, so they can be, for example, files.html .js .exe .eml
• Said specific floppy disks can be sold with an amount of credit which is dedicated to them and which enables them to thus serve as an electronic purse.
• Said specific diskette can be replaced by a bank card and / or a smart card which contains all the computer data of such a diskette and which can be used on a computer of a card reader.
• the specific diskette can be replaced by a CD-Rom which can be used on a computer equipped with a suitable reader and burner.
• This system can also be used to make occasional online purchases.
• said specific floppy disk can be programmed to operate under another environment than that described
• Said files on said specific floppy disk can be called or opened by all kinds of links, these i can be placed on the screen of the cyber client's computer or on the web page of a merchant site or another site or of a mail.
• the software can include memories of empty boxes which can be completed to add signs to the signs already existing.
• said software may also include adjustments - intended to include the amount of the order in said sign, a description understandable by a third party - who does not have the key.
• the customer's contact details, such as the address are not transmitted to the merchant during said online payment, by the customer, but by the issuer, the signs are numbers, numbers, letters, words; images-, syw.ool.es or the combination of some- or all of these elements, said entity is a natural or legal person, client of electronic commerce, the communication of said sign is made online, by internet or by minitel or by telephone or by physical means - or by material means - said signs - are edited - on a support and this support is a sheet printed with said signs, or a magnetic card or a smart card or a hard disk or a floppy disk or CD Rom or a "magnetic tape or a proof.
• said medium is a means of payment
• said means of payment is governed by said emitter.
• said emitter is a bank or an independent body or establishment which federates members are customers, traders and carriers and who organize means of fast communication between him and his members and between members, and this, by computer software.
• Said software also includes arrangements relating to the formalities to be completed in order to become a member as well as to support the logistics of said traders and said carriers.
• Said software is published on the same support or on four different supports, either one for said customer, one for said merchant, one for said transporter and the last for the issuer itself.
• Said issuer is organized to play the role of a confident third party between said client and said merchant.
• the merchant presents the bill on the customer's computer screen and the latter then introduces said payment medium which can be a floppy disk or CD-Rom in the corresponding drive.
• said payment medium can be a floppy disk or CD-Rom in the corresponding drive.
• a PAY icon appears on the screen.
• the sending of said web page and / or said single-use number and / or said miscellaneous information can be done - by web / mail, or directly on a server or by any other means other than by Internet, online or off line.

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

Applications Claiming Priority (5)

Publications (1)

Family

ID=26212481

Family Applications (1)

Country Status (4)

Family Cites Families (6)

• 2001
  • 2001-06-19 EP EP01947532A patent/EP1292930A1/de not_active Withdrawn
  • 2001-06-19 AU AU2001269195A patent/AU2001269195A1/en not_active Abandoned
  • 2001-06-19 WO PCT/FR2001/001916 patent/WO2001099068A1/fr not_active Ceased
• 2002
  • 2002-12-19 US US10/323,598 patent/US20030145201A1/en not_active Abandoned

Non-Patent Citations (1)

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