WO2001013314A2 - Systeme de commerce electronique - Google Patents

Systeme de commerce electronique Download PDF

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Publication number
WO2001013314A2
WO2001013314A2 PCT/ZA2000/000135 ZA0000135W WO0113314A2 WO 2001013314 A2 WO2001013314 A2 WO 2001013314A2 ZA 0000135 W ZA0000135 W ZA 0000135W WO 0113314 A2 WO0113314 A2 WO 0113314A2
Authority
WO
WIPO (PCT)
Prior art keywords
data carrier
transaction
terminal
reader
database
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.)
Ceased
Application number
PCT/ZA2000/000135
Other languages
English (en)
Other versions
WO2001013314A3 (fr
WO2001013314A8 (fr
Inventor
Lionel Nicholas Mantzivis
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to AU73911/00A priority Critical patent/AU7391100A/en
Publication of WO2001013314A2 publication Critical patent/WO2001013314A2/fr
Anticipated expiration legal-status Critical
Publication of WO2001013314A3 publication Critical patent/WO2001013314A3/fr
Publication of WO2001013314A8 publication Critical patent/WO2001013314A8/fr
Ceased legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346Cards serving only as information carrier of service
    • GPHYSICS
    • G06COMPUTING OR CALCULATING; COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/02Marketing; Price estimation or determination; Fundraising
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Definitions

  • This invention relates to electronic commerce. In particular, this
  • invention relates to the use of a data carrier in electronic commerce.
  • data carriers such as smart cards, magnetic strip cards, eeeproms, diskettes, and the like, in commercial transactions, even in single commercial transactions whereafter the data carrier will have no further use.
  • mobile communications network a reader for reading the data carrier
  • mobile communications unit connectable to the mobile communications network and to the reader, the system being configured such that when a user facilitates the reading of the data carrier by the reader, the mobile communications unit is automatically connected to the third party system.
  • the third party system is a server on a network, for example, the internet.
  • the third party system may be any transaction system, information provision system, banking system, or the like.
  • the system may include the retrieving of information from the third party system, once connected.
  • the information may be of the type found on an internet site, however, the information may be information regarding a product, a person, a company, a transaction, a competition, or the like.
  • a SIM card such as that commonly used on GSM cellular telephones, is provided with a set of instructions to connect a cellular telephone or terminal to a cellular telephone network and to then connect said telephone or terminal to an internet server from where information is retrieved onto said telephone or terminal. Furthermore, where possible, graphics and/or text are downloaded onto said telephone and/or terminal from the internet server. This connecting and downloading occurs automatically upon insertion of the SIM card into said telephone or terminal once said telephone or terminal is activated.
  • the SIM card is included in a business or calling card, such as that commonly carried by businessmen, professionals, sales executives, and the like. Usually such card is a paper or plastics card having information printed or otherwise visually represented thereon, for example, the name and address of the company, contact details, qualifications of an individual, and the like.
  • the SIM including card may include a set of instructions which, when inserted into a cellular telephone or terminal, will automatically connect to the internet server and download information regarding, for example, the company, the individual who handed out the card, company product lines, price lists, and the like, thereby adding an additional dimension to the conventional business or calling card.
  • a system for conducting a business transaction including the electronic commerce connection system as described above, the business transaction system including: - a data carrier having provided thereon a set of instructions for permitting access to a mobile communications network; and a set of instructions for connecting to a third party system via the mobile communications network; - a reader for reading the data carrier; a mobile communications unit connectable to the mobile communications network and to the reader; and a client database on the third party system, which database contains at least some details of clients permitted to conduct business transactions on the system.
  • the client details on the database may include credit information, personal information for client identification, transaction history, graphic images of clients, and the like.
  • the business transactions system may be used, for example, in vehicle rental transactions, ticket issuing transactions, insurance policy issuing transactions, or the like.
  • the system will include a terminal having the reader provided therein, and a user will permit the reader to read a data carrier which has been previously provided with an instruction set to automatically connect the terminal to the vehicle rental company, the details read from the data carrier will be verified against the database, and if verified, a signal will be transmitted back to the terminal authorizing the transaction.
  • the database may also be populated with entries regarding the transaction, for example, the time and date of the transaction, the value of the transaction, and the like.
  • the business transaction system may extend to actuation means whereby actions may be performed by the business transaction system, for example, issuing of tickets, provision of vehicle keys, deactivation of a vehicle alarm system, access to a room or a building, or the like.
  • the business transaction system may be used in the rental of hotel rooms, in which case, the data carrier is inserted into a card reader in the hotel lobby or at the door of the room to be rented, and once the renters details have been verified on the database the door unlocks and the renter is given access.
  • the business transaction system may, in one embodiment, be used to issue insurance policies to passengers on paid transport, for example, busses and taxis.
  • a passenger boarding a transportation vehicle and who desires insurance for that particular trip will present a data carrier to a reader of a policy issuing terminal which automatically connects to the insurance policy issuing company to register that such a policy has been issued and to process the transaction.
  • the issuing terminal connects to the insurance policy issuing company only once a batch of policies has been requested, for example, when the vehicle is full or there are no more passengers waiting to board the vehicle.
  • the data carrier is issued by the insurance policy issuing terminal and is not in the possession of the passenger at the time that the transaction is requested. It is also possible to do away with an independent data carrier and all data regarding insurance policies issued may be stored on the insurance policy issuing terminal and/or uploaded to a remote data carrier at the insurance policy issuing company, or the like. In such a case the insurance policy issuing terminal may provide the insured passenger with a receipt indicating that an insurance policy was issued.
  • the insurance policy issuing operation as described above is particularly advantageous for a high traffic taxi industry, such as a "mini-bus" taxi industry known in South Africa and other developing countries.
  • a competition system including: a data carrier; a set of instructions or data provided on the data carrier for uniquely identifying the data carrier; a remote computer; - a data carrier reader for reading the set of instructions or data, said reader being connectable in data communication with the remote computer; a database containing competition details provided in data communication with the remote computer; and - an algorithm for verifying whether an identified data carrier corresponds to a competition winner in the database.
  • the competition system may include a mobile communication network for permitting the connection to be established between said reader and said remote computer. The mobile communication network may also be used for data communication between the remote computer and the database.
  • the data carrier is included with a fast moving consumer good (FMCG) product, such as a food product, a beverage product, a periodical or magazine, or the like.
  • FMCG fast moving consumer good
  • the data carrier may be sold or given away without any accompanying product or services.
  • the FMCG and the data carrier are conveniently packaged together in order to encourage consumers to buy FMCG's with which such data carriers are provided thereby being permitted to enter competitions.
  • connection system and/or the business transaction system as described above may be used for the competition system.
  • FIG. 1 This example exemplifies in Figure 1 the use an electronic commerce connection system 10 broadly in accordance with the invention for a business or calling card 12 having a data carrier, in the form of a SIM 14 provided thereon.
  • the SIM 14 includes a set of instructions for permitting access to a mobile communications network 16 and a set of instructions for connecting to a third party system, the server 18 of the card 12 distributor, via the mobile communications network 16.
  • a reader 20 for reading the SIM 14 is provided on a mobile communications unit, in the form of a cellular telephone terminal 22, such as a NokiaTM 9110.
  • the system 10 is configured such that when a user inserts the SIM 14 into the terminal 22, the terminal 22 is connected to the server 18 and information regarding the card 12 is retrieved from the server 18 and is displayed on the terminal 22 without the user having to dial up a connection or carry out any connection functions, i.e. automatically.
  • the information may be of the type found on an internet site, however, the information may be information regarding a product, a person, a company, a transaction, a competition, or the like.
  • Usually such card 12 is a paper or plastics card having information printed or otherwise visually represented thereon, for example, the name and address of the company, contact details, qualifications of an individual, and the like. This information is now downloadable from the server 18 upon insertion of the SIM 14 into the terminal 22
  • Other information which is downloaded to the terminal 22 may be information regarding the company, the individual who handed out the card, company product lines, price lists, and the like, thereby adding an additional dimension to the conventional business or calling card.
  • the terminal 22 is replaced with a modem (not shown) and the information is downloaded to a separate computer.
  • a business transaction system 50 broadly in accordance with the invention is shown in Figure 2.
  • the system 50 is exemplified as used for vehicle rental transactions.
  • the business transaction system 50 includes a data carrier 52 having provided thereon a set of instructions for permitting access to a mobile communications network 54 and a set of instructions for connecting to a third party system, in the form of a vehicle rental company transaction server 56, via the mobile communications network 54.
  • a point of rental terminal 60 includes a reader 62 for reading the data carrier 52 and a mobile communications unit 64 connectable to the mobile communications network 54.
  • the server 56 has a client database which contains at least some details of clients permitted to conduct business transactions on the system 50.
  • the client details on the database may include credit information, personal information for client identification, transaction history, graphic images of clients, and the like.
  • a user permits the reader 62 to read the data carrier 52 which has been previously provided with an instruction set to automatically connect the terminal 60 to the vehicle rental company server 56, the details read from the data carrier 52 are verified against the database, and if verified, a signal is transmitted back to the terminal 60 authorizing the transaction.
  • the database may also be populated with entries regarding the transaction, for example, the time and date of the transaction, the value of the transaction, and the like.
  • Actuation means in the form of electrically operable booms (not shown), locks (not shown), and the like, whereby actions may be performed by the business transaction system, for example, provision of vehicle keys, and deactivation of a vehicle alarm system permits a verified client to drive of in a rented vehicle.
  • Actuation means in the form of electrically operable booms (not shown), locks (not shown), and the like, whereby actions may be performed by the business transaction system, for example, provision of vehicle keys, and deactivation of a vehicle alarm system permits a verified client to drive of in a rented vehicle.
  • a user purchases an FMCG, in the form of a beverage 82.
  • the cap 84 of the beverage 82 contains a SIM 86 on which a unique identification code has been provided.
  • the user presents the SIM 86 to a reader 88 on a terminal 90, where the SIM 86 is read and the terminal 90 connects to remote computer 92 on which a database has recorded all the unique identification codes of competition winners.
  • the computer 92 has an algorithm which compares the unique identification code read from the SIM 86 to those in the database and if there is a match the user of the SIM 86 is awarded a prize.
  • the terminal 90 is an Automatic Teller Machine (ATM) of a banking institution and the prize is dispensed from the ATM to a winner once the unique identification code of the SIM 86 has been verified to be a prize winner.
  • ATM Automatic Teller Machine
  • the SIM 86 is inserted into a mobile communications unit, such as that described in Examples 1 and 2.
  • the mobile communications unit contacts a server on which the prize winners are recorded and if the SIM 86 is verified as a prize winner the mobile communications unit displays this information and the prize can be transferred electronically into the winners bank account, or arrangements may be made to have the prize delivered.

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Finance (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Telephonic Communication Services (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système de connexion de commerce électronique comportant une porteuse de données contenant un ensemble d'instructions permettant l'accès à un réseau de communications mobiles, et un ensemble d'instructions permettant la connexion à un système tiers via le réseau de communications mobiles. Ce système (10) comprend un lecteur (20) servant à lire la porteuse de données et une unité de communications mobiles (22) pouvant être raccordée à un réseau de communications mobiles (16) et au lecteur (20); ce système étant configuré de façon à ce que lorsque l'utilisateur facilite la lecture de la porteuse de données par le lecteur, l'unité de communications mobiles est automatiquement raccordée au système tiers (18). La porteuse de données peut être une carte SIM (14) d'un téléphone mobile GSM, et peut être incorporée dans une carte d'affaires ou d'appel (12).
PCT/ZA2000/000135 1999-08-15 2000-08-15 Systeme de commerce electronique Ceased WO2001013314A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU73911/00A AU7391100A (en) 1999-08-15 2000-08-15 Electronic commerce system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA99/4227 1999-08-15
ZA994227 1999-08-15

Publications (3)

Publication Number Publication Date
WO2001013314A2 true WO2001013314A2 (fr) 2001-02-22
WO2001013314A3 WO2001013314A3 (fr) 2002-09-12
WO2001013314A8 WO2001013314A8 (fr) 2004-04-29

Family

ID=25587792

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2000/000135 Ceased WO2001013314A2 (fr) 1999-08-15 2000-08-15 Systeme de commerce electronique

Country Status (2)

Country Link
AU (1) AU7391100A (fr)
WO (1) WO2001013314A2 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2003044710A1 (fr) * 2001-10-11 2003-05-30 Trustcopy Pte Ltd Appareil, procede et systeme de paiement faisant appel a un dispositif mobile
EP1237134A3 (fr) * 2001-03-02 2006-12-06 Nokia Corporation Transactions electroniques

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4573954A (en) * 1984-09-04 1986-03-04 Pepsico Inc. Digital encoding and electronic scanning of drink cups
US4815741A (en) * 1984-11-05 1989-03-28 Small Maynard E Automated marketing and gaming systems
US5724520A (en) * 1993-06-08 1998-03-03 Anthony V. Pugliese Electronic ticketing and reservation system and method
GB2295939A (en) * 1994-12-09 1996-06-12 Charles Richards Data communication
US5986651A (en) * 1996-09-23 1999-11-16 Motorola, Inc. Method, system, and article of manufacture for producing a network navigation device
JP3544292B2 (ja) * 1996-12-06 2004-07-21 日本電信電話株式会社 情報記憶型カードを用いたインターネットアクセス装置およびシステムおよびその方法
MY119618A (en) * 1996-12-06 2005-06-30 Nippon Telegraph & Telephone Internet accessing system using card readers and dual cards with information pertaining to log on
AU8113798A (en) * 1997-06-13 1998-12-30 Gemplus S.C.A. Smart card, cordless telephone, system and method for access and communication by internet
GB2340704A (en) * 1998-07-28 2000-02-23 Blackcoat Limited Network communication
FR2785134B1 (fr) * 1998-10-22 2001-01-26 Sfr Sa Procede d'acces a un serveur de services a partir d'une station mobile, module d'identification d'abonne et terminal correspondants
GB2350973A (en) * 1999-06-11 2000-12-13 Nokia Mobile Phones Ltd Simultaneously fetching page content and link content in a mobile web browser

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1237134A3 (fr) * 2001-03-02 2006-12-06 Nokia Corporation Transactions electroniques
US7885686B2 (en) 2001-03-02 2011-02-08 Nokia Corporation Electronic transactions
US8447359B2 (en) 2001-03-02 2013-05-21 Nokia Corporation Electronic transactions
WO2003044710A1 (fr) * 2001-10-11 2003-05-30 Trustcopy Pte Ltd Appareil, procede et systeme de paiement faisant appel a un dispositif mobile

Also Published As

Publication number Publication date
WO2001013314A3 (fr) 2002-09-12
WO2001013314A8 (fr) 2004-04-29
AU7391100A (en) 2001-03-13

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