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
  • G06Q20/08—Payment architectures
  • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

• the present invention relates to an online payment system on the Internet.
• the online payment systems are quite numerous, and allow in particular to pay for purchases made online on merchant websites, including credit card, electronic credit card, gift certificate, etc..
• a disadvantage of all these means of payment is that they must be integrated into the various websites or websites on which they can be used, which requires prior acceptance on the part of said site, but also a modification of this site to allow this integration, especially in the pages dedicated to payment. Since most existing websites already have many means of payment available, it is usually difficult to obtain from them the integration of new payment systems or additional means. In addition, this integration has a cost, especially related to the intervention of a programmer, which can be a brake for websites.
• the present invention aims to provide an online payment system that does not reproduce the aforementioned drawbacks.
• the present invention aims to provide an online payment system that does not require substantial modification of the websites on which it can be used.
• the present invention also aims to provide an online payment system that is simple and inexpensive to install and use.
• the present invention therefore relates to an online payment system as described in claim 1.
• Advantageous embodiments are described in the dependent claims.
• Fig. 1 is a schematic diagram showing the principle of an advantageous embodiment of the present invention
• Figure 2 is a block diagram of the architecture usable with the present invention
• Fig. 3 is a schematic diagram showing the principle of another advantageous embodiment of the present invention
• Figure 4 is a schematic diagram illustrating an example of the payment process by the server.
• a server 10 forms an intermediary between a user or customer 20 and a merchant website (or website) 30, at least during payment.
• a server 10 may be used and a plurality of client computers 20 may simultaneously connect to said server.
• a simple hypertext link for example on a payment page of a website, allows the client computer to connect to the server.
• the merchant site 30 simply publishes a static link to a JavaScript tag, which, once activated, transmits the client's session information, including cookies, to the server 10, as shown in FIG. 3. Thanks to the transfer of cookies the server, at the time of payment, will be recognized by the website as being the customer itself.
• PayPal TM payment systems which send payment related information (customer identification, transaction amount, etc.) to a server that will pay for the customer's account.
• These systems require a dynamic hypertext link, which requires the intervention of a programmer to be integrated on the payment page.
• the publication of the static link can be carried out very simply, simply graphical integration, including directly by the web master, which simplifies the process.
• a special banner can be added to the site, offering the customer 20 the choice of pay via the server 10.
• the user can then be redirected to a replacement page of the payment page of the visited site.
• the payment is then made by the server, for example by generating numbers of "e-credit card”.
• the client computer which has an account on said server, is then debited by the server directly on this account.
• This account can be for example a prepaid account, a gift voucher account, a bank account on which the server has the hand.
• Several types of accounts can also be combined.
• the server queries the account of the client computer before making the payment on the website visited by the client computer, and proposes to said client computer to feed his account if the amount available is less than the price to be paid on the computer. website.
• the only modification needed on the website is the addition of the link to connect to the server. No other modification or adaptation of the site is necessary, unlike the current means of payment.
• the client computer 20 connects to the server 10, where a number of links to commercial Internet sites 30 are proposed.
• the number and type of accessible sites can be arbitrary and controlled according to various parameters.
• the server's connection means connect to the site concerned and the server's reproduction means display the homepage of said site on the customer's screen.
• this display is done with more information, for example a banner at the top of the pages, indicating to the client that it browses via the aforementioned server.
• the server can add a flag to the navigation of the client computer, which indicates to the visited website that the user has come from a link proposed by said server.
• This implementation allows the server operator to touch the affiliation commission, classic for this type of business contribution in the world of the Internet.
• a gateway also called "Proxy Server”
• This gateway can be used by the connection means of the server, so that all http requests from the client computer will go through the server before being redirected to the visited website.
• This gateway can for example function in the manner of a "translator”. More specifically, this gateway can modify the contents transmitted between the client and the website so that the communication always goes through the server. For example, hypertext links are modified.
• the pages of the website are faithfully reproduced so that it has the impression of being directly browsing on said site. So navigation happens for the client computer in a traditional way, as if it was visiting the site directly without going through the server.
• the server which includes appropriate detection means, will automatically propose to the client computer to make this payment using his account on the server. If the user (client computer) accepts, then the server account will be debited with an amount corresponding to the payment made, and meanwhile, payment means of the server will allow said server to proceed directly to the payment on the payment page of the site Internet visited.
• the present payment system is not integrated at all in each of the sites, but on the contrary it is of universal application that does not require any modification or adaptation of the merchant sites visited, not even the insertion of a hypertext link, as described for the first embodiment.
• the server may of course include means for recognizing the client computer, these recognition means may for example include conventional means of identification of the client computer by username and password.
• the user during his first connection to the server, can create his account, in known manner, and then feed this account by any appropriate means of payment, such as including credit card payments, gift vouchers and / or transfers banking.
• An account based on loyalty points or the like can also be used.
• the payment means of the server are particularly adapted to display a payment page instead of the payment page of the visited site, when the server detection means have detected that the client computer has accessed such a page of payment of the visited website.
• This payment page can be for example a pop-up that appears on the screen of the client computer, to offer to use his account on the server to make the payment.
• the payment page displayed by the server can return to the payment page of the website by graying the input fields of the credit card, the customer having only to validate his payment.
• the means of payment of the server may for example generate an electronic credit card number, as proposed in particular by the service called "e-credit card” .
• e-credit card an electronic credit card number
• the present invention advantageously provides to assign, preferably dynamically, that is to say when the client clicks on the link, a domain name to each website accessible via the server.
• a link such as www.serverXXX.fr may be used for a particular site, the server identifying each site by a respective XXX number allocated to it, preferably dynamically. It should be noted that this process could be implemented independently of a payment system, for example in an internet page translation system or the like.
• the detection means of the server detect that the user arrives on a payment page, which has been previously set and identified as a payment page.
• the server intercepts the communication, and the client computer is "disconnected" from communication with the website that it visits.
• the server proposes its payment offer and verifies that the amount requested is less than the amount allowed for this client computer, namely in general to the amount available on his account. If the amount is higher, the server can offer an additional payment. If the client agrees, the server then replaces the client computer to pay directly on the payment page of the website. A corresponding amount is debited from the user's account.
• the present invention thus makes it possible to use the server as an electronic gift voucher issuer, or as a prepaid account system, enabling users to make purchases without necessarily indicating their blue card number.
• the present invention also makes it possible to set up a "cash-back" system, which makes it possible to reimburse users a portion of their expenses by paying back part of the margin of affiliation paid to said server by the websites visited.
• FIG. 1 schematically represents a connection, in particular via the Internet protocol, between a client 20 and an Internet site 30 via an intermediate server 10
• FIG. 2 represents schematically a possible functional architecture of the server, integrating more particularly the application of gift voucher portals.
• the server may propose the use of one or more of these checks, with or without additional payment by another appropriate means. It is also possible that existing gift certificates on the market can be used to feed the user's account on said server.
• FIG 4 illustrates an example of a payment process according to the invention.
• the user or client 20 requests the server 10 to proceed with the payment (step 1).
• the server can then connect with a private issuer 40 when it manages an account of said client, to debit the account (step 2). If the customer's account is insufficiently powered, the server may request the customer an additional payment (step not shown in Figure 4). If the customer's account is sufficiently powered, or if the customer has made an additional payment, the server connects to an issuing bank 50 to request a means of payment, such as a dynamic virtual credit card number (CVD), e-card type Blue (step 3). The server then pays the merchant site with the CVD (step 4). The merchant site that receives this payment generally requests authorization from the issuing bank of the CVD (step 5), and in case of a positive response, will confirm the payment to the server (step 6). The server then confirms the same payment to the customer (step 7).
• CVD dynamic virtual credit card number

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• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Finance (AREA)
• Strategic Management (AREA)
• Physics & Mathematics (AREA)
• General Business, Economics & Management (AREA)
• General Physics & Mathematics (AREA)
• Engineering & Computer Science (AREA)
• Theoretical Computer Science (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

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• 2007
  • 2007-12-03 FR FR0759489A patent/FR2924510B1/fr not_active Expired - Fee Related
• 2008
  • 2008-12-03 WO PCT/FR2008/052200 patent/WO2009080935A2/fr not_active Ceased
  • 2008-12-03 EP EP08863579A patent/EP2232423A2/de not_active Withdrawn

Non-Patent Citations (1)

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