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
  • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• • 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
  • G06Q20/08—Payment architectures
  • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

• the present invention relates to a payment method. It also relates to the system for implementing this process, as well as to the telecommunications equipment used in this system.
• the invention relates to a payment method involving a first entity called “the seller” having a first telecommunications equipment, a second entity called “the buyer” having a second telecommunications equipment, and a third entity called “account manager” grouping on the one hand the bank of the buyer, which has a third telecommunications equipment capable of establishing a link with the second telecommunications equipment belonging to the buyer, and, on the other share, the seller's bank, this process comprising a preliminary exchange which is established between the seller and the buyer via their respective first and second equipment and which is intended for the outcome of a transaction between the seller and the buyer corresponding to the payment of an amount of a service due by the seller.
• Such a process is described for example in document FR 2 790 162. More specifically, this process requires the intervention of a gateway, such as a payment server, which has the function of authenticating the buyer and the seller and to ensure that the goods ordered will actually be paid for. This process is certainly advantageous from a purchasing confidentiality point of view.
• a gateway such as a payment server
• This method also has the drawback of being inflexible in terms of choice in the terms of payment likely to be offered to the buyer, given the impersonal nature of the bank-buyer relationship which is due to the interposition of the server. of payment during the exchange of information between the buyer and his bank.
• the process includes, following the preliminary exchange between the buyer and the seller, the following exchanges: a) the buyer sends a payment order message directly to his bank, this message comprising at least: information representative of the buyer, information representative of the seller, - said amount of the service, and information representative of the transaction, b) the buyer's bank authenticates the buyer on the basis of representative data of the buyer received, authenticates the transaction on the basis of some of the representative information of the buyer received, representative information of the seller received, information representative of the transaction received and of said amount of the service received, accepts or not, respectively depending on the positive or negative result of these authentications, the order of payment of said amount of the service, and sends in response to the buyer information on whether or not to accept this order, c) the buyer checks the response from his bank and transmits this response to the seller with some of the representative information of the buyer, d) the seller authenticates the transaction by means of said certain representative information of the buyer received, checks the response from the buyer
• the representative information of the buyer includes data characteristic of a method of payment of said amount of the service which is chosen by the buyer at the time of the exchange a);
• the information representative of the transaction includes data which is encrypted using a first key contained in the second telecommunications equipment belonging to the buyer, this data being a function of some of said information representative of the buyer, of said representative information of the seller and said amount of the service, and the buyer's bank authenticates this signature during the exchange b); the information on whether or not to accept the payment order sent to the buyer during the exchange b) is in the form of a message signed by a second key contained in said third telecommunications equipment belonging to the buyer's bank, this signature being authenticated on the one hand by the buyer during the exchange c) by a third key contained in said second telecommunications equipment belonging to the buyer and, on the other hand, by the seller during the exchange d), by a fourth key, identical to the third key, contained in said first telecommunications equipment belonging to the seller; the second key belonging to the buyer's bank is a private key and the third and fourth keys belonging respectively to the buyer and the seller are public keys associated with said second private key;
• said steps a), b), c) and d) of the transaction are carried out identically, the seller, the seller's bank, and, the buyer, respectively playing the role of the buyer, the buyer's bank, and the seller.
• the second telecommunications equipment belonging to the purchaser comprises first transmission means capable of directly addressing the third telecommunications equipment belonging to the bank from the purchaser a payment order message for said amount of the service, said message comprising at least: information representative of 1 'buyer, information representative of the seller, said amount of the service, and - information representative of the transaction
• the third telecommunications equipment (E3) belonging to the bank of the buyer comprises: first means of authentication capable of authenticating the buyer on the basis of information representative of the buyer received, information representative of the seller received, information representative of the transaction received and of the amount of the service received, validation means able to accept or not, respectively according to the positive or negative result of these authentications, the order of payment of said amount of the service, and second transmission means capable of sending to the second telecommunications equipment belonging to the buyer information on acceptance or not
• the buyer's second telecommunications equipment including in addition, first verification means capable of verifying the response of the buyer'
• the third telecommunications equipment consists of a server.
• FIG. 1 illustrates the general architecture of the payment system of the invention and the various exchanges established between the various telecommunications equipment.
• the reference numeral E1 designates a first telecommunications equipment belonging to a seller V
• the reference numeral E2 a second telecommunications equipment belonging to a buyer A
• the reference numeral E3 a third telecommunications equipment belonging to a bank Bl of the purchaser A
• the reference numeral B2 a bank of the seller V.
• banks Bl and B2 are grouped together within the same entity called “account manager” B.
• the payment transaction which relates more particularly to the invention is preceded by a preliminary exchange between the seller V and the buyer A, this exchange being symbolized by the arrows 1 and 2 in the figure.
• buyer A sends a good order message 1 to seller V, and seller V communicates in response to buyer A a message 2 indicating the amount MT corresponding to the service due, as well as the bid.
• Such an exchange can be done in multiple ways which depend on the telecommunications equipment of buyer A and seller V.
• the first telecommunications equipment El of seller V and the second telecommunications equipment E2 of buyer A each consist of a terminal connectable to a telephone network.
• the first and second telecommunications equipment can consist independently of one another, for example, a mobile telephone of the GSM type, a Minitel (registered trademark), or a personal computer PC connected to the network. Internet.
• the preliminary exchange between seller V and buyer A, as well as subsequent exchanges can be carried out for example: - between the mobile phone of buyer A and the terminal of seller V,
• the first telecommunications equipment El belonging to the seller V is a terminal connectable to a telephone network
• the second telecommunications equipment E2 belonging to the buyer A is a mobile telephone of the GSM type capable of receiving the buyer's secure module A.
• buyer A sends seller V a good order message 1, via his mobile phone El.
• this message essentially comprises: non-confidential information representative of the seller V, such as the identifier of the account of the seller V, the date and time of the transaction, a chronological number of the transactions carried out by the seller V, and confidential information representative of the seller V which is the above information and the commercial offer grouped confidentially, for example by means of a condensation algorithm known as such, this digest, designated by the CV reference, intended to keep the commercial offer proposed to the buyer confidential, in particular with respect to the buyer's bank.
• non-confidential information representative of the seller V such as the identifier of the account of the seller V, the date and time of the transaction, a chronological number of the transactions carried out by the seller V
• confidential information representative of the seller V which is the above information and the commercial offer grouped confidentially, for example by means of a condensation algorithm known as such, this digest, designated by the CV reference, intended to keep the commercial offer proposed to the buyer confidential, in particular with respect to the buyer's bank.
• the confidential information representative of the seller V can also be represented in the form of a signed message sign (CV) using a secret key (symmetric algorithm), or, private (public key algorithm), calculated in the terminal El of the seller V, so as to guarantee the content of the commercial offer.
• CV signed message sign
• Buyer A then introduces his secure module, for example, his bank card with a chip CB, into his mobile phone E2 and types his confidential code CC so as to be authenticated by said module.
• his secure module for example, his bank card with a chip CB
• the secure module CB of the buyer A authenticates the seller V and the associated purchase offer, by verifying the signature sign (CV), only in the event that the message sign (CV) has been sent to buyer A, checks the CV digest of the confidential information received, by CV calculation, then by checking the CV calculated digest with the CV digest received, calculates a CA digest of the information confidential representative of buyer A, which essentially includes the identifier of the account of buyer A, the date and time of the transaction, a chronological number of the transactions carried out by buyer A, the digest CA intended to keep the bank information of the buyer confidential, in particular with regard to the seller, calculates a summary CT of the transaction based on said condensed CA, CV and some of the non-confidential information representative of the seller V, and calculates the signature ST of the information representative of the transaction, namely the digest CT and the amount MT of the service, which are signed by a first secret or private key contained in the chip card CB.
• CV signature sign
• the confidential information representative of buyer A also includes the choice of a payment method MP which is offered to buyer A, namely payment on credit, payment with deferred debit, payment with immediate debit or others.
• a payment method MP which is offered to buyer A, namely payment on credit, payment with deferred debit, payment with immediate debit or others.
• Such modalities are presented, for example, in the form of options contained in the same menu which is displayed on the screen of the mobile phone E2, and which the purchaser A selects.
• representative of seller V is positive, the following exchange a) takes place.
• the SIM card (“Subscriber Identification Module”) of the mobile phone E2 of buyer A directly addresses the third telecommunications equipment E3 of bank Bl of buyer A, which equipment is a server, a message 3 of order of payment of the amount MT of the service, this message including:
• non-confidential information with respect to the bank representative of buyer A such as the identifier of the account of buyer A, the date and time of the transaction, a chronological number of the transactions carried out by the buyer A,
• the payment order message does not contain any data relating to the offer to purchase, thus ensuring the confidentiality of the nature of the goods ordered by buyer A.
• this payment order message 3 is sent directly by the buyer A to his bank Bl thus makes it possible to reduce repudiation of the order by the buyer as much as possible.
• the bank Bl of buyer A accepts or not the payment order of said amount MT of the service.
• the server E3 of the bank Bl of the buyer A sends to the SIM card of the mobile phone E2 of the buyer A a message 4 which contains information on the acceptance or not of the order, which group together the summary CT of the transaction, the amount MT of the transaction, the chronological number of the transactions carried out by the seller V, as well as a datum "status of the transaction", S.
• This data S can correspond to one of the following states: - transaction accepted with credit, transaction accepted with deferred debit, transaction accepted with immediate debit, transaction refused.
• Information on whether or not to accept the payment order may be recorded in the buyer's smart card A and / or the seller's terminal, and be subsequently deleted when buyer A and / or seller V considers this order obsolete.
• the message 4 is advantageously signed using a second key, preferably private, contained in the server E3 of the bank Bl. This thus makes it possible to guarantee the authenticity of the transaction.
• the payment of the amount MT of the service is made automatically by the bank Bl of the buyer A for the benefit of the bank B2 of the seller V, by through a clearing agency C known per se, such as the interbank service of telecompensation.
• exchange c) takes place.
• Buyer's CB chip card A authenticates the AT signature by means of a third key contained in the CB chip card, which is a public key associated with the private key contained in the server E3 of bank Bl, then checks the SW data. Once these operations have been carried out, the SIM card of the mobile phone of the buyer A sends a message 5 to the terminal El of the seller V, this message comprising:
• exchange d takes place.
• the vendor's terminal El authenticates the transaction by calculating the digest CT from the digest CA received and the digest CV calculated during the sending of the message 2 at the start of the transaction.
• the terminal El of the seller V authenticates the signature AT by means of a fourth key, which is identical to the third key contained in the smart card CB of the mobile phone E2 of buyer A,
• the seller V delivers the service with confidence. It then sends the buyer A a message 6 confirming the delivery of the service.
• V plays the role of buyer A, and buyer A that of seller V.

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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)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Applications Claiming Priority (3)

Publications (1)

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• 2000
  • 2000-12-22 FR FR0017078A patent/FR2818778A1/fr not_active Withdrawn
• 2001
  • 2001-12-18 WO PCT/FR2001/004029 patent/WO2002052517A1/fr not_active Ceased
  • 2001-12-18 EP EP01995729A patent/EP1344196A1/de not_active Withdrawn

Non-Patent Citations (1)

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