ES2190906T1 - Procedimiento para el pago seguro de cantidades que ascienden a distintos importes mediante un procedimiento de pago libremente elegible para bienes libremente elegibles. - Google Patents

Procedimiento para el pago seguro de cantidades que ascienden a distintos importes mediante un procedimiento de pago libremente elegible para bienes libremente elegibles.

Info

Publication number
ES2190906T1
ES2190906T1 ES01935980T ES01935980T ES2190906T1 ES 2190906 T1 ES2190906 T1 ES 2190906T1 ES 01935980 T ES01935980 T ES 01935980T ES 01935980 T ES01935980 T ES 01935980T ES 2190906 T1 ES2190906 T1 ES 2190906T1
Authority
ES
Spain
Prior art keywords
payment
computer
customer
payment provider
procedure
Prior art date
Legal status (The legal status 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 status listed.)
Pending
Application number
ES01935980T
Other languages
English (en)
Inventor
Armin Sawusch
Holger Zimmermann
Ronald Schmieder
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Encorus Holdings Ltd
Original Assignee
Encorus Holdings Ltd
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
Application filed by Encorus Holdings Ltd filed Critical Encorus Holdings Ltd
Publication of ES2190906T1 publication Critical patent/ES2190906T1/es
Pending legal-status Critical Current

Links

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Procedimiento para el pago seguro de cantidades que ascienden a distintos importes mediante un procedimiento de pago libremente elegible para bienes libremente elegibles, en particular, para el suministro de servicios de pago a un cliente usando terminales de comunicación a través de redes abiertas, orientadas a paquetes, en particular Internet, integrando los estándares de seguridad y procedimientos de codificación usuales, con un software de acceso usual, independientemente del sistema operativo, caracterizado porque después de una consulta de un cliente mediante el ordenador de un comerciante (3) se genera una pareja de comprobantes (6; 10), transfiriéndose un primer comprobante (6) de forma indirecta a través de un terminal de comunicación de un cliente (1) a un ordenador de un proveedor de pago (4), porque, a continuación, el ordenador del proveedor de pago (4) transmite un formulario (7) para la confirmación del pago al terminal de comunicación del cliente (1), porque, después de haberse registrado los datos necesarios respecto al cliente, así como respecto al servicio (6) deseado y la transmisión del formulario rellenado junto con el primer comprobante (6) usando el terminal de comunicación, éstos están disponibles, como autorización de pago, en un ordenador en un proveedor de pago (4) para la contabilización del importe correspondiente en la cuenta del comerciante, porque el proceso de contabilización se realiza después de haberse validado los datos del cliente por parte del proveedor de pago (4) usando un ordenador, así como después de estar disponible el segundo comprobante (10) transmitido por el comerciante (3) al ordenador del proveedor de pago (4) como respuesta a la consulta del ordenador del proveedor de pago (4) para la validación del primer comprobante (6) mediante el ordenador del comerciante (3), que ha sido transmitido por el ordenador del proveedor de pago (4) de forma modificada con los datos del cliente a éste y porque el cliente (1) tiene acceso al servicio (5) a través de la red (2), después de haber realizado el pago usando un terminal de comunicación, después de haberse correlacionado, así como validado el segundo comprobante (10) transmitido por el ordenador del proveedor de pago (4) al terminal de comunicación del cliente (1) mediante interacción con el ordenador del comerciante (3) por éste, habiéndose dado la autorización de esta forma.
ES01935980T 2000-04-20 2001-04-14 Procedimiento para el pago seguro de cantidades que ascienden a distintos importes mediante un procedimiento de pago libremente elegible para bienes libremente elegibles. Pending ES2190906T1 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
DE10019884A DE10019884A1 (de) 2000-04-20 2000-04-20 Verfahren zur sicheren Bezahlung von Lieferungen und Leistungen in offenen Netzwerken

Publications (1)

Publication Number Publication Date
ES2190906T1 true ES2190906T1 (es) 2003-09-01

Family

ID=7639638

Family Applications (1)

Application Number Title Priority Date Filing Date
ES01935980T Pending ES2190906T1 (es) 2000-04-20 2001-04-14 Procedimiento para el pago seguro de cantidades que ascienden a distintos importes mediante un procedimiento de pago libremente elegible para bienes libremente elegibles.

Country Status (6)

Country Link
US (1) US20030172038A1 (es)
EP (1) EP1274971A2 (es)
AU (1) AU6204201A (es)
DE (2) DE10019884A1 (es)
ES (1) ES2190906T1 (es)
WO (1) WO2001081875A2 (es)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE0002811D0 (sv) * 2000-08-03 2000-08-03 Ticketanywhere Europ Ab Method for handling electronic tickets
US20110022522A1 (en) * 2009-06-04 2011-01-27 Alan Sege Method and system for providing real-time access to mobile commerce purchase confirmation evidence
US20150039435A1 (en) * 2013-07-31 2015-02-05 Mostafa SHAHEE DayMal.com
US11250484B2 (en) * 2019-11-18 2022-02-15 Verizon Patent And Licensing Inc. Systems and methods for secure assisted order generation

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
US6085976A (en) * 1998-05-22 2000-07-11 Sehr; Richard P. Travel system and methods utilizing multi-application passenger cards

Also Published As

Publication number Publication date
DE10191579D2 (de) 2003-03-27
DE10019884A1 (de) 2001-11-22
AU6204201A (en) 2001-11-07
WO2001081875A2 (de) 2001-11-01
WO2001081875A8 (de) 2002-03-21
US20030172038A1 (en) 2003-09-11
EP1274971A2 (de) 2003-01-15

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