US20080195515A1 - Combined payment and communication service method and system - Google Patents
Combined payment and communication service method and system Download PDFInfo
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- US20080195515A1 US20080195515A1 US11/956,656 US95665607A US2008195515A1 US 20080195515 A1 US20080195515 A1 US 20080195515A1 US 95665607 A US95665607 A US 95665607A US 2008195515 A1 US2008195515 A1 US 2008195515A1
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- communication
- item
- payment
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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
- G06Q20/4014—Identity check for transactions
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/21—Monitoring or handling of messages
- H04L51/212—Monitoring or handling of messages using filtering or selective blocking
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/42—Systems providing special services or facilities to subscribers
- H04M3/436—Arrangements for screening incoming calls, i.e. evaluating the characteristics of a call before deciding whether to answer it
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2201/00—Electronic components, circuits, software, systems or apparatus used in telephone systems
- H04M2201/18—Comparators
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M2203/00—Aspects of automatic or semi-automatic exchanges
- H04M2203/20—Aspects of automatic or semi-automatic exchanges related to features of supplementary services
- H04M2203/2005—Temporarily overriding a service configuration
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/38—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
- H04M3/382—Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections using authorisation codes or passwords
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04M—TELEPHONIC COMMUNICATION
- H04M3/00—Automatic or semi-automatic exchanges
- H04M3/42—Systems providing special services or facilities to subscribers
- H04M3/42025—Calling or Called party identification service
- H04M3/42034—Calling party identification service
Definitions
- aspects of the invention relate to the field of electronic payment and communication services. More specifically, the aspects relate to a combined computer-implemented payment service and communication service method in a server system configured for allowing payment of money to a recipient and/or the establishment of communication with said same recipient.
- Some contact details such as a telephone number and a bank account number are preferred to be kept secret for most people, while other details, such as a URL of a website, are allowed to be conveyed to as many people as possible.
- a combined computer-implemented payment service and communication service method is proposed.
- the method is performed in a server system configured for performing at least one of a payment service and a communication service within the server system in relation to a recipient.
- the method includes the step of receiving a public unique identifier of the recipient and determining whether the recipient uses the at least one of the payment service and the communication service of the server system.
- a payment message is received and the payment service is performed using the public unique identifier as a payment address identifier if the recipient uses the payment service of the server system.
- a communication type message may also be received and the communication service is performed using the public unique identifier as a communication address identifier if the recipient uses the communication service of the server system.
- a computer program such as embodied on a computer readable medium (e.g. computer storage medium) for executing the method and a carrier therefore are proposed.
- the applicant also proposes a system configured for providing payment and/or communication services to make a payment of money to a recipient and to establish communication with the recipient.
- the system comprises a public unique identifier receiver configured for receiving a public unique identifier of the recipient and a determination module configured for determining whether the recipient uses the at least one the payment service and the communication service.
- a payment service module and/or a communication service module is provided.
- the payment service module is configured for executing payment services for performing payments to the recipient using the public unique identifier as a payment address identifier if the recipient uses the payment service of the server system.
- the communication service module is configured for executing communication services for establishing communication with the recipient using the public unique identifier as a communication address identifier if the recipient uses the communication service of the server system.
- an electronic device a computer program embodied on a computer readable medium (e.g. computer storage medium) for such a device and a contact card are proposed using the PUID as defined above.
- a computer readable medium e.g. computer storage medium
- a single PUID can be used for a payment service and at least one communication service, e.g. telephony (claims 2 and 24 ; including IP telephony), electronic messages (claims 3 and 25 ) and web browsing and streaming media (claims 4 and 26 ).
- the single PUID can be easily remembered and used for a combination of services.
- the PUID is by definition a public identifier.
- the PUID can be used to provide services within the system as opposed to the prior art ENUM initiative that requires external system for all services.
- Using a PUID as a payment address identifier or a communication address identifier includes both the use of the PUID itself or the conversion of the PUID into the payment or communication identifier.
- the method and system may be configured such that the public availability of the PUID does not result in e.g. undesired telephony contact or knowledge of one's bank account number as will be explained in more detail hereinafter. Payment and communication services can be enjoyed with a single device.
- the PUID may be any combination of (alpha) numerical symbols. However, it may already be sufficient to use 5 or 6 letters (both upper-cast and lower-cast) to obtain a large amount of unique PUIDS.
- the received PUID is not a regular communication identifier (such as a telephone address or an e-mail address) or a payment address identifier (such as a bank account number) for privacy considerations. In other words, the PUID is not usable for directly connecting to a device of a recipient and/or to make a payment to a bank account of a recipient.
- each participant has a separate bank account number.
- the system may contain a single virtual amount of money and each participant Can be identified as being entitled to a portion of that amount, e.g. by setting flags for that participant. Transfer of money between participants can be arranged easily in this way.
- the proposal has the potential of a new and inventive payment system making other forms of payment, such as payment systems using cards, ATM's, payment by mobile phones using RFID technology etc., redundant.
- the proposal allows a user to use a mobile phone for using payment services that can also be used for other communication services. URL's may also be no longer required for web browsing.
- claims 5 and 27 provide the advantage that the personal contact information (such as the bank account number and the telephony number, the electronic message address and the URL) is known only within the server system and need not to be known outside this system.
- the conversion of the single PUID into such personal contact information in dependence of the type of service allows people to use the payment service and/or the communication service without knowing these personal details.
- Connection may be made to an external payment service and/or an external communication service in accordance with claims 6 and 28 . These services are offered outside the server system.
- the embodiments allow an immediate introduction of the server system while people are still using services of external communication companies and commercial banks.
- Users and/or recipients and/or providers may themselves indicate in the server system whether they desire to use services from the server system or from external systems.
- claims 7 and 29 allow identification of the user of the server system.
- the identification involves a user name and password combination.
- claims 8 and 30 reduce the chance of sniffing identities of users of the system.
- claims 9 and 31 reduce the chance of abuse of the system by taking over an ongoing session between a user and the server system by a third party.
- the variation of the session key allows for a variation of the encryption of the data communication between the user and server system.
- claims 10 - 19 and claims 32 - 41 provide for a system allowing fine tuning by users of criteria that should be satisfied to permit payment from and/or to and/or communication with others as will be apparent from the following description of the drawings.
- the items of the profile and the criteria of the requirement lists may be set by the system and/or created and/or filled in by the users/recipients.
- the proposal relates to permitting or denying service using information (items and criteria) that is usually irrelevant for establishing a connection for the service. Different items and/or criteria may exist or apply for different services.
- FIG. 1 shows a schematic illustration of a combined payment and communication system according to a first embodiment and an electronic device
- FIG. 2 shows a schematic illustration of the electronic device configured for use with the system of FIG. 1 ;
- FIGS. 3A and 3B show schematic illustrations of the server system of FIG. 1 ;
- FIGS. 4A and 4B show situations relating to a server system comprising profiles and requirement lists.
- FIG. 5 shows a schematic illustration of a server system according to a second embodiment
- FIG. 6 shows a contact card of a recipient
- FIGS. 7-11 show various time diagram illustrating step of embodiments of a method using the system of FIG. 1 and FIG. 5 .
- FIG. 1 shows a combined payment and communication server system 1 communicatively connected to electronic devices 2 A- 2 D.
- Mobile devices 2 A, 2 B are connected via wireless access networks 3 to the server system 1 .
- Stationary devices 2 C, 2 D are connected via network 4 , such as the internet or a local area network, to the server system 1 .
- the network connections may be secured.
- the devices 2 A, 2 C are used by a user of the server system 1
- devices 2 B, 2 D are devices of a recipient.
- Mobile device 2 A may be a mobile phone comprising a keyboard with a plurality of (numerical and/or alphanumerical) keys 10 and a display 11 . Furthermore, the mobile device 2 A comprises communication type keys 12 A, 12 B, 12 C and a payment key 12 D.
- the communication type keys 12 A- 12 C enable the user of the mobile device 2 A to select e.g. whether he desires to make a telephone call (telephony service), to send an electronic message (electronic messaging service) or to browse a web page on the internet (web communication service).
- the payment key 12 D enables the user to select a payment service.
- the keys 12 A- 12 D are not necessarily separate keys, but may also be implemented otherwise, e.g. by one or more soft keys using the display 11 to indicate the function of the soft key at a particular moment. Selection of a service may also be made from a software menu. It should also be appreciated that the same functionality is possible for a stationary device 2 C. Finally, it is noted that the type of service desired by the user of the devices 2 A, 2 C may also be implicit from the message sent to the server system 1 . As an example, if the user device 2 A, 2 C transmits a money value, it may be implicit that a payment service is requested.
- FIGS. 3A and 3B show schematic illustrations of the server system 1 .
- the server system 1 comprises a processor 20 , a memory 21 , a network adapter 22 for communication with one or more of the devices 2 A- 2 D via the networks 3 , 4 and a relational database 23 . It should be appreciated that the server system 1 is normally capable of connecting to more than the four electronic devices 2 A- 2 D shown in FIG. 1 .
- server system 1 The specific functions of the server system 1 are schematically illustrated in FIG. 3B and will now be described in further detail. It should be appreciated that the functions may be largely implemented as software code portions of one or more computer programs embodied on one or more computer readable mediums (e.g. computer storage mediums) accessible to and executed on the processor 20 (server 1 ).
- computer readable mediums e.g. computer storage mediums
- the server system 1 comprises a public unique identifier (PUID) receiver 24 configured for receiving a PUID of a recipient from the user device(s) 2 A, 2 C.
- the PUID receiver 24 may also be configured to receive a PUID of a user from the recipient device(s) 2 B, 2 D.
- the server system 1 also contains a payment service module 25 configured for performing the payment service for making a payment to the recipient on the basis of the PUID of the recipient received by the PUID receiver 24 from the user device 2 A, 2 C.
- a communication service module 26 is provided that is configured for performing a communication service, such as a telephony service, an electronic message service, a streaming media service and/or a web browsing service for establishing communication with the recipient using the PUID received by the PUID receiver 24 for establishing the communication.
- the server system 1 has a communication type message receiver 27 configured for receiving a communication type message from the mobile devices 2 A, 2 C.
- the communication service module 26 is further configured for initiating the communication service in dependence of the communication type message.
- the type of communication requested may also be deduced from other data in the request.
- a composed message may be received from the user device(s) 2 A, 2 C containing the PUID of the recipient, the type of service requested and/or other data such as a monetary value for a payment service, an attachment and/or other contents.
- the server system 1 contains a converter 28 configured for converting the PUID to a payment address identifier (e.g. a bank account number) and/or a communication address identifier (e.g. a telephone number, an e-mail address and/or a URL of a web page).
- a payment address identifier e.g. a bank account number
- a communication address identifier e.g. a telephone number, an e-mail address and/or a URL of a web page.
- the payment address identifier and the communication address identifier need not to be known by the user of the device 2 A, 2 C, since the PUID is sufficient to make a payment to the recipient and/or to e.g. send an electronic message to the same recipient.
- the server system 1 also contains a payment connection module 29 for connecting to an external payment system for requesting a payment service using the payment address identifier and a communication connection module 30 for connecting to an external communication system for requesting a communication service using the communication address identifier.
- These modules 29 , 30 may e.g. be used for recipients using payment and communication services provided external to the server system 1 , as shown in FIG. 5 .
- the payment service module 25 may be configured for initiating the payment service using the PUID itself instead of a payment address identifier (i.e. the PUID functions as the bank account number) and the communication service module 26 may be configured for initiating the communication service using the PUID itself instead of a communication address identifier (i.e. the PUID is the telephone number, electronic message address and/or the URL).
- the server system 1 contains a determination module 31 configured for determining whether the recipient uses the payment service and/or the communication service of the server system 1 or an external system.
- the server system 1 also comprises a login module 34 A for receiving a login request from the device(s) 2 A, 2 C.
- the login request comprises at least one personal identifier in order to identify a user of the device 2 A, 2 C.
- the user is identified by a combination of a user name and a password.
- the users are subscribers to the server system 1 in such a case.
- the communication with the user devices 2 A, 2 C may be secured by e.g. secured network connections and/or data encryption techniques.
- the server system comprises a variable session key issuer 34 B.
- the variable session key issuer is configured for issuing different session keys in response to subsequent requests from the user devices 2 A, 2 C.
- the issuer 34 B may use random numbers but also outside parameters (such as e.g. a temperature measured by a temperature sensor at a particular location) to obtain the variable keys.
- the database 23 of the server system 1 may store profiles containing one or more items (e.g. characteristics of the user) and requirement lists containing one or more criteria from users of the user devices 2 A, 2 C and/or recipients using devices 2 B, 2 D.
- the profiles and requirement lists available to the server system 1 can be used to enable the users and/or the recipients to fine tune conditions under which they want to be involved in a payment transaction and/or to have established communication between them. It should be appreciated that this manner of enabling and disabling communication differs from the prior art in that the enabling or disabling is not primarily based on a contact identifier (such as the PUID) of the devices and/or the user.
- the server system 1 comprises a tracer 35 configured for tracing at least one requirement list of a user and/or a recipient.
- the requirement list of the recipient can be traced using the PUID of the recipient. The same holds for the requirement list of the user, although this list may also be traced on the basis of other data in the request from the user device 2 A, 2 C.
- the server system 1 has an analyser 36 configured for checking whether one or more items of a profile satisfy one or more criteria of a requirement list as will be explained in further detail below.
- the analyser 36 only compares the one or more items of the profile of the user of the device 2 A, 2 C with the appropriate corresponding criteria of the intended recipient. If the items of the user profile fulfil the corresponding criteria of the recipient requirement list, payment and/or communication are allowed and the payment service module 25 and/or the communication service module 26 are activated. On the other hand, if the items do not fulfil the criteria, use of the payment service and/or the communication service by the user with respect to the particular recipient is denied.
- This type of analysis is suitable for white listing and/or blacklisting approaches.
- the analyser 36 not only makes the above comparison, but also analyses whether or not one or more items of the recipient profile fulfil criteria of the user requirement list. Payment and/or communication is denied between the user and the recipient if a user item of the user profile does not satisfy a recipient criterion of the recipient requirement list and/or if a recipient item of the recipient profile does not satisfy a user criterion of the user requirement list. Only if the items fulfil the criteria in both directions, the payment/communication is allowed.
- This case can be referred to as a handshake case or a mutual approval case.
- Items and corresponding criteria may relate to a variety of personal details, not being a contact identifier, including age, gender, body characteristics (e.g. hair colour, length), financial details, company details, geographic details (e.g. place of living, place of birth, address, street, p.o. box), personal items (e.g. preferences, such as brand preferences, social preferences (sports, communities, etc.)). Items may be user defined.
- the personal identifier (the PUID) may also be used for white listing, blacklisting and/or the mutual approval approach.
- the fulfillment of all criteria by the items is analyzed.
- the items and corresponding criteria may also relate to the system, such as e.g. the behaviour of the user and/or recipient on the server system 1 .
- the server system may set a spam flag as an item in the profile of a user or recipient when this user or recipient has been notified as a spammer. Examples of such notification are provided in the international patent applications PCT/NL2007/050557 and PCT/NL2007/05055 of the applicant which are incorporated in the present patent application by reference in its entirety.
- these applications describe a system and method of reducing the proliferation of electronic messages in a server system comprising one or more servers for distributing the electronic messages.
- the method involves providing at least one electronic message or a portion thereof and receiving at least one spam notification signal related to said electronic message or said portion thereof.
- a portion of an electronic message may e.g. comprise one or more fields of the electronic message or a new portion assembled on the basis of fields or characteristics of the electronic message.
- Access to the electronic message (and/or the portion thereof) and/or to other (previous or future) electronic messages of the same source is restricted in response to receiving said at least one spam notification signal.
- the number of spam notification signals resulting in the restriction of access to the electronic message may be set. As an example, the number may be set to 50, 25, 10, 5 or even 1 spam notification signal before access to the electronic message is restricted.
- the applicant has realized that the conventional rule set used for recognizing e-mail spam messages is always outdated, despite the regular updates of the rule set provided by the spam filter developers. Ultimately, only human beings will be able to recognize e-mail spam messages. Moreover, the applicant has realized that the improvement of spam filters contributes to the increase of the total amount of spam rather than reducing it. The applicant, therefore, proposes to (solely) use spam notification signals from users to detect electronic spam messages and, upon receipt of such a spam notification signal, to restrict access to the corresponding electronic message for other (users of) user devices.
- the server system thus allows that addressees of an electronic message themselves determine what electronic messages are spam messages and that the addressees are subsequently able to determine the access (rights) of other addressees to that message (and possibly other previous and/or future electronic messages from the same source).
- the spam notification signal is an order to the server system to restrict access to messages.
- each signal can be regarded as a partial order.
- the other (users of) user devices may not display or download the electronic message. Spam filters using spam recognition rule sets, spam parameters and criteria may be absent in the server system, at least for those electronic messages for which a spam notification signal has been received.
- Spam notification messages may be set or received for other services than electronic mail, where the system or the recipient/destination party finds a person abuses the system.
- a system and method can be applied for establishing a telephone connection between a first subscriber device (A-subscriber device) and a second subscriber device (B-subscriber device) in a telephone system.
- the telephone system is arranged for connecting the A-subscriber device (the calling party) and the B-subscriber device (the called party).
- the method includes receiving a request from the A-subscriber device to establish a connection with the B-subscriber device and also receiving a personal identity code of a user of said A-subscriber device.
- the connection can be established between the A-subscriber device and the B-subscriber device only after having received said personal identity code of said user of said A-subscriber device.
- the telephone system By receiving a personal identity code of a user, the telephone system is able to actually recognize the person that is requesting services of the system instead of only recognizing the device that is used. Consequently, the telephone system can apply measures to a particular user instead of only to a device as a result of the received authentication information. In other words, measures applied to a particular users cannot be avoided or circumvented by using a different device. An example of such a measure may be restricting the access of a particular user to services of the telecommunication system.
- the system and method may allow receiving one or more access restriction signals and restrict access to at least one of said telephone system and a user of said A-subscriber device or said B-subscriber device for at least one of said user of said A-subscriber device and said user of a B-subscriber device in response to receiving said one or more access restriction signals.
- the user of the B-subscriber device has the possibility to restrict access to the telephone system for the user of the A-subscriber device if the telephone call is perceived by the user of the B-subscriber device as unsolicited or undesired. Access is restricted on the basis of the personal identity code of the user of the A-subscriber device and, therefore, this user cannot simply circumvent this measure by using a different A-subscriber device.
- the personal identity code may e.g. be stored such that further attempts to establish a connection by the person owning the code are first checked against this storage before a connection can be established.
- the system item relating to spam may be set in the above-described manner.
- the system and/or users may determine whether this spam item relates to a single service or to multiple services.
- a user or recipient item may indicate that the user or recipient is female at the age of 20, while in fact he is a 45-year old male.
- a user or recipient item may indicate that his bank balance is below 50000 Euros, whereas in fact his bank balance is above 100000 Euros.
- the server system 1 distinguishes between verified items and unverified items. As an example, if the server system 1 offers payment services itself, an item relating to the bank balance of a user or recipient can be verified internally, since the bank balance is recorded in the server system 1 .
- verification may be performed by checking external registers, requiring users and recipients to submit a copy of the passport etc to verify the validity of the item. Verification of unverified items may also take place by verifying changes in the items, such as changes in age or gender. Age should always change upwards with one year at the time, whereas gender generally would not change at all. If such items change in an unexpected manner, the items may be set to be unverified, either indefinitely or not. The complete profile may also be marked as not trustworthy.
- the server system 1 comprises a verification indication receiver 37 configured for receiving and processing a verification indication from a device 2 A, 2 C of the user and/or a device 2 B, 2 D of a recipient.
- a verification indication By means of the verification indication, the user and/or recipient may indicate that one or more criteria of the requirement list(s) should relate to a verified item(s) of the profile(s).
- the server system 1 may therefore be configured such that items of the profiles of the user and/or the recipient are by default prevented from checking.
- the server system 1 comprises a checking prevention indication receiver 38 configured for receiving and processing a checking prevention indication from a device 2 A, 2 C of a user and/or a device 2 B, 2 D of a recipient.
- the checking prevention indication indicates a request from a user and/or recipient that one or more items of said profile are prevented from checking by the analyser 36 .
- the server system 1 comprises a notification transmitter 39 configured for transmitting a notification request to a device 2 A- 2 D of the user or recipient from whose profile the check would be made, e.g. by means of a pop-up screen on the device.
- the notification request may present an option to ignore e.g. the checking prevention indication to permit checking of said at least one item against a corresponding criterion of a requirement list.
- the prevention indication may be lifted either permanently or temporarily by the server system 1 receiving such an instruction from the devices 2 A- 2 D.
- the server system 1 receiving such an instruction from the devices 2 A- 2 D.
- the user should first permit checking of his bank balance before the communication is established.
- the release of the checking prevention indication does not mean that this information is communicated to the other party. It only involves the availability of an item for a check against the criteria of a requirement list. Of course, the recipient may also unblock his items, if desired, e.g. for marketing purposes.
- Items and criteria may be set to apply for one or more services using service selector 39 A.
- the server system 1 of FIG. 5 is an embodiment comprising multiple servers 1 A- 1 C, wherein server functions and/or data are e.g. distributed over multiple servers connected by secured network connections 40 . At least one of the payment and communication services is executed by an external system 41 .
- the external system 41 may be connected via a gateway (not shown) to the server system 1 . Items and criteria may be distributed over the servers 1 A- 1 C and be retrieved from the various servers 1 A- 1 C upon request of a service. Such an embodiment may e.g. be useful to safeguard privacy.
- FIG. 7 shows the situation wherein Ghislaine attempts to contact Dirk by telephone. She logs in on the server system 1 using login module 34 A with her user name and password in step 50 . Then, in step 51 , she makes a phone call using the PUID “DiRk” which is received by the PUID receiver 24 .
- the database does not store a separate telephone number for the device 2 B of Dirk and the determination module 31 determines that Dirk uses the telephony service of the server system 1 (e.g. using an internal code).
- the telephone connection can be made in step 52 via the telephony service module 26 using the PUID of Dirk, or a derivative thereof, as the telephone number of device 2 B it the device accepts such a request.
- the telephone device does not require a traditional SIM card.
- Ghislaine should wire a payment of 100000 to the bank account of Dirk. Ghislaine is not aware of the bank account number of Dirk.
- Ghislaine logs in on the server system 1 using login module 34 A again using device 2 A in step 60 .
- the server system 1 presents an interface of the display 11 using a first session key.
- Ghislaine again enters the PUID “DiRk” to make the payment to Dirk in step 61 and the server system 1 presents a further screen to enter a payment amount under a second session key, different from the first session key.
- the payment amount of 100000 is received by the server system 1 in step 62 .
- the payment amount may also be received by the server system 1 in step 61 , i.e. together with the PUID of the recipient.
- the determination module 31 determines that Dirk does not use the bank services of the server system 1 , since Dirk has filled in an external bank account number in the table.
- the payment connection module 29 is activated to make the payment to an account on an external bank system 41 ( FIG. 5 ) in step 63 . Dirk may now use his device 2 D to check with his bank 41 whether or not the payment has been made (step 64 ).
- Profile PUID Ghisje
- Profile PUID DiRk
- Gender Female Male Age 25 45
- BLOCKED 1 500 000 Industry ICT (not verified)
- ICT SPAM notification YES NO Requirement list
- FIG. 9 shows a login step 70 of Ghislaine using the login module 34 A for verifying the user name and password.
- step 71 a composed message containing the PUID “DiRk” and an indication that a telephony service is requested is received by the PUID receiver 24 in combination with the communication type message receiver 27 .
- the PUID “DiRk” is used by the tracer 35 to trace the requirement list of Dirk.
- the requirement list comprises a first criterion relating to the type of industry the other party should be involved in, viz. Information and communications technology industry (ICT). This criterion should be fulfilled for all services. Moreover, the industry item of the profile of the other party (in this case Ghislaine) should be a verified item.
- the requirement list of Dirk comprises a second criterion prescribing that the bank balance of the other party should be be higher than 50000. However, this criterion is only relevant for payment services. Dirk may have entered these criteria in the server system 1 before the login step 70 .
- the telephony service will not be performed, since the analyser 36 will find that, although the industry item in the profile of Ghislaine is ICT, this is not a verified item, such that the analyser will not instruct the telephony service initiator 26 to initiate a telephone connection (indicated by the cross in step 72 ).
- This situation will force Ghislaine to have the industry item of her profile verified in the server system 1 , e.g. by submitting contract details to the moderator of the server system 1 . If this item is verified, a telephone connection between device 2 A and device 2 B can be established via the telephone service initiator 26 in accordance with the case of FIG. 7 .
- Ghislaine After the telephone conversation, Ghislaine again desires to wire a sum of 100000 to the (external) bank account of Dirk. Ghislaine submits the PUID “DiRk” to the server system 1 in step 73 together with an indication message that a payment service is required. This indication may be implicit by entering the amount of 100000 in an amount field on the display 11 , which amount is received in step 74 . The PUID, the indication and the amount field may be received in a single composed message. It is not required that the PUID is sent for each service separately.
- the analyser 36 finds that Dirk's requirement list also has a criterion that he should only be checked for payment services wherein the other party has a bank balance of at least 50000.
- the analyser finds that this item is prevented from checking. This may be the default setting or may be set by Ghislaine using the checking prevention indication receiver 38 of the server system 1 (see table: BLOCKED). It should be appreciated that all items and criteria are not communicated to users of the server system 1 as such, but may be available for checking by the analyser 36 , if not prevented.
- the analyser 36 can not perform the check for the bank balance of Ghislaine in this case.
- the analyser 36 can again perform the check of the industry requirement. It is noted that if the bank balance requirement was also applicable for other services, such as the telephony service, the telephony service was not initiated before allowing the check of the bank balance (and if the bank balance was found to be insufficient, a telephony service would not be initiated). That is, criteria may either be applicable to one service or to a plurality of services.
- Ghislaine may have chosen an option that in such a case, the notification transmitter 39 of the server system 1 notifies her, step 75 , of the fact that Dirk's requirement list requires checking of her bank balance before a payment can be made. She may then choose to (temporarily) permit checking of her bank balance item, step 76 . Subsequently, the analyser may perform the check against the bank balance criterion of Dirk's requirement list and trigger the payment service module 25 to start the payment transaction (steps 77 , 78 in accordance with steps 63 , 64 of FIG. 8 ).
- FIG. 10 provides yet another example of a method and system for permitting or denying service.
- Deirdre and Henk have agreed to make a phone call. Henk uses his device 22 .
- the system 1 in step 80 receives the PUID of Deirdre and tracer 35 traces the requirement list of Deirdre on the basis of the PUID.
- the profile of Henk is also traced and the analyser 36 checks whether the items of Henk's profile satisfy the applicable corresponding criteria of Deirdre's requirement list. It is assumed that the analyser 36 finds that the items of Henk's profile satisfy the criteria of Deirdre's requirement list.
- the system 1 has been set that mutual approval is required for initiating this service and, therefore, the telephone communication is not yet effected (indicated by the cross in step 81 ).
- Deirdre contacts the system 1 (step 82 ) using Henk's telephone number.
- the tracer 35 now traces Henk's requirement list and the analyser 36 checks whether Deirdre's items match the criteria of Henk's requirement list. If the analyser 36 finds that the items of Deirdre's profile satisfy the criteria of Henk's requirement list, telephone communication may be initiated (step 83 ), either directly after the check or at a later time.
- FIG. 10 uses the mutual approval method described with reference to FIG. 4B . It should be appreciated, however, that mutual approval does not necessarily require both parties to contact the system 1 .
- Henk's call would allow both checks to be made on the basis of the telephone number of Ghislaine and the contact details of Henk (e.g. his login data, a telephone number, the IMEI code etc.).
- FIG. 11 shows a case wherein a user sends a spam e-mail from his user device 2 C (step 90 ).
- the system 1 receives a span notification message of an arbitrary user device X.
- the spam notification message may be obtained in a manner described in the non-prepublished international patent applications PCT/NL2007/050557 and PCT/NL2007/050555 of the applicant which are incorporated in the present application by reference in its entirety.
- the profile of the user now has a system item reflecting that the user has been notified as a spammer.
- the user makes a telephone call to recipient device 2 B with his mobile phone 2 A.
- the tracer 35 of the system 1 traces the recipient requirement list of the recipient.
- the analyser 36 finds out that the recipient requirement list contains a criterion that the recipient would not like to be involved in a service initiated by someone that is registered as a spammer. Consequently, a telephone connection will not be established, indicated by the cross in step 93 .
Abstract
Description
- The present application is a continuation-in-part of and claims priority of International patent application Serial No. PCT/NL2007/000224, filed Sep. 11, 2007, and published in English the content of which is hereby incorporated by reference in its entirety.
- The discussion below is merely provided for general background information and is not intended to be used as an aid in determining the scope of the claimed subject matter.
- Aspects of the invention relate to the field of electronic payment and communication services. More specifically, the aspects relate to a combined computer-implemented payment service and communication service method in a server system configured for allowing payment of money to a recipient and/or the establishment of communication with said same recipient.
- The use of communication devices for electronic services has become very popular in the last two decades. Mobile telephony and electronic banking are examples of electronic services that heavily penetrated the daily life of people. Other examples include electronic mail and use of the Internet, such as visiting web pages with information, participating in electronic friends networks and contributing to web discussions.
- The ever increasing possibilities of electronic services go along with a significant amount of information people need to possess to make use of these electronic services. As a typical example, one needs to know a telephone number for contacting another person by telephone, an e-mail address to send an e-mail to this same person, an uniform resource locator (URL) to visit the website of this person, a bank account number to wire money to the bank account of this person etc.
- On the other hand, people do not like to disclose all these contact details to the general public. Some contact details, such as a telephone number and a bank account number are preferred to be kept secret for most people, while other details, such as a URL of a website, are allowed to be conveyed to as many people as possible.
- It is known in the art to use a single telephone number for obtaining telephony services, internet services and payment services as exemplified by the ENUM initiative (www.enum.nl). The telephone number is processed and a service is requested after the processing.
- However, there exists a need in the art to provide an improved payment and communication method and system.
- This Summary and Abstract are provided to introduce some concepts in a simplified form that are further described below in the Detailed Description. This Summary and Abstract are not intended to identify key features or essential features of the claimed subject matter, nor are they intended to be used as an aid in determining the scope of the claimed subject matter. In addition, the description herein provided and the claimed subject matter should not be interpreted as being directed to addressing any of the short-comings discussed in the Background.
- A combined computer-implemented payment service and communication service method is proposed. The method is performed in a server system configured for performing at least one of a payment service and a communication service within the server system in relation to a recipient. The method includes the step of receiving a public unique identifier of the recipient and determining whether the recipient uses the at least one of the payment service and the communication service of the server system. A payment message is received and the payment service is performed using the public unique identifier as a payment address identifier if the recipient uses the payment service of the server system. A communication type message may also be received and the communication service is performed using the public unique identifier as a communication address identifier if the recipient uses the communication service of the server system.
- Moreover a computer program such as embodied on a computer readable medium (e.g. computer storage medium) for executing the method and a carrier therefore are proposed.
- The applicant also proposes a system configured for providing payment and/or communication services to make a payment of money to a recipient and to establish communication with the recipient. The system comprises a public unique identifier receiver configured for receiving a public unique identifier of the recipient and a determination module configured for determining whether the recipient uses the at least one the payment service and the communication service. Furthermore, a payment service module and/or a communication service module is provided. The payment service module is configured for executing payment services for performing payments to the recipient using the public unique identifier as a payment address identifier if the recipient uses the payment service of the server system. The communication service module is configured for executing communication services for establishing communication with the recipient using the public unique identifier as a communication address identifier if the recipient uses the communication service of the server system.
- Finally, an electronic device, a computer program embodied on a computer readable medium (e.g. computer storage medium) for such a device and a contact card are proposed using the PUID as defined above.
- A single PUID can be used for a payment service and at least one communication service, e.g. telephony (
claims claims 3 and 25) and web browsing and streaming media (claims 4 and 26). The single PUID can be easily remembered and used for a combination of services. The PUID is by definition a public identifier. The PUID can be used to provide services within the system as opposed to the prior art ENUM initiative that requires external system for all services. Using a PUID as a payment address identifier or a communication address identifier includes both the use of the PUID itself or the conversion of the PUID into the payment or communication identifier. - The method and system may be configured such that the public availability of the PUID does not result in e.g. undesired telephony contact or knowledge of one's bank account number as will be explained in more detail hereinafter. Payment and communication services can be enjoyed with a single device.
- The PUID may be any combination of (alpha) numerical symbols. However, it may already be sufficient to use 5 or 6 letters (both upper-cast and lower-cast) to obtain a large amount of unique PUIDS. Preferably, the received PUID is not a regular communication identifier (such as a telephone address or an e-mail address) or a payment address identifier (such as a bank account number) for privacy considerations. In other words, the PUID is not usable for directly connecting to a device of a recipient and/or to make a payment to a bank account of a recipient.
- It should be appreciated that in case of a payment service performed by the system, it is not required that each participant has a separate bank account number. The system may contain a single virtual amount of money and each participant Can be identified as being entitled to a portion of that amount, e.g. by setting flags for that participant. Transfer of money between participants can be arranged easily in this way.
- The proposal has the potential of a new and inventive payment system making other forms of payment, such as payment systems using cards, ATM's, payment by mobile phones using RFID technology etc., redundant. The proposal allows a user to use a mobile phone for using payment services that can also be used for other communication services. URL's may also be no longer required for web browsing.
- The embodiments of
claims 5 and 27 provide the advantage that the personal contact information (such as the bank account number and the telephony number, the electronic message address and the URL) is known only within the server system and need not to be known outside this system. The conversion of the single PUID into such personal contact information in dependence of the type of service allows people to use the payment service and/or the communication service without knowing these personal details. Connection may be made to an external payment service and/or an external communication service in accordance withclaims 6 and 28. These services are offered outside the server system. The embodiments allow an immediate introduction of the server system while people are still using services of external communication companies and commercial banks. - Users and/or recipients and/or providers may themselves indicate in the server system whether they desire to use services from the server system or from external systems.
- The embodiments of
claims 7 and 29 allow identification of the user of the server system. Preferably, the identification involves a user name and password combination. - The embodiments of
claims 8 and 30 reduce the chance of sniffing identities of users of the system. - The embodiments of
claims 9 and 31 reduce the chance of abuse of the system by taking over an ongoing session between a user and the server system by a third party. The variation of the session key allows for a variation of the encryption of the data communication between the user and server system. - It is known in the art that a user of a system denies or allows other people to communicate with him by, respectively, blacklisting or white listing these people on the basis of e.g. a telephone number. An example is provided in US 2006/0147014. Also the MSN web conversation platform of Microsoft allows blocking of contacts. Furthermore, a non-prepublished international patent application PCT/NL2007/050553 of the applicant has been filed, wherein use of a personal identifier is described. However, the granularity of these methods and systems is rather coarse, essentially only allowing people to either communicate or not communicate with each other on the basis of a device identifier or a personal identifier. The embodiments of claims 10-19 and claims 32-41 provide for a system allowing fine tuning by users of criteria that should be satisfied to permit payment from and/or to and/or communication with others as will be apparent from the following description of the drawings. The items of the profile and the criteria of the requirement lists may be set by the system and/or created and/or filled in by the users/recipients. The proposal relates to permitting or denying service using information (items and criteria) that is usually irrelevant for establishing a connection for the service. Different items and/or criteria may exist or apply for different services. Reference is made to a co-pending international patent application of the applicant (“Method and system for permitting or denying service”) filed on the same date as the present application, the contents of the international application being incorporated in the present application by reference in its entirety. In co-pending patent application, however, use of a PUID is not required.
- Hereinafter, embodiments of the invention will be described in further detail. It should be appreciated, however, that these embodiments may not be construed as limiting the scope of protection for the present invention.
- In the drawings:
-
FIG. 1 shows a schematic illustration of a combined payment and communication system according to a first embodiment and an electronic device; -
FIG. 2 shows a schematic illustration of the electronic device configured for use with the system ofFIG. 1 ; -
FIGS. 3A and 3B show schematic illustrations of the server system ofFIG. 1 ; -
FIGS. 4A and 4B show situations relating to a server system comprising profiles and requirement lists. -
FIG. 5 shows a schematic illustration of a server system according to a second embodiment; -
FIG. 6 shows a contact card of a recipient; and -
FIGS. 7-11 show various time diagram illustrating step of embodiments of a method using the system ofFIG. 1 andFIG. 5 . -
FIG. 1 shows a combined payment andcommunication server system 1 communicatively connected toelectronic devices 2A-2D.Mobile devices wireless access networks 3 to theserver system 1.Stationary devices network 4, such as the internet or a local area network, to theserver system 1. The network connections may be secured. In the following, it will be assumed that thedevices server system 1, whereasdevices -
Mobile device 2A, schematically shown inFIG. 2 , may be a mobile phone comprising a keyboard with a plurality of (numerical and/or alphanumerical)keys 10 and adisplay 11. Furthermore, themobile device 2A comprisescommunication type keys communication type keys 12A-12C enable the user of themobile device 2A to select e.g. whether he desires to make a telephone call (telephony service), to send an electronic message (electronic messaging service) or to browse a web page on the internet (web communication service). Thepayment key 12D enables the user to select a payment service. It should be appreciated that thekeys 12A-12D are not necessarily separate keys, but may also be implemented otherwise, e.g. by one or more soft keys using thedisplay 11 to indicate the function of the soft key at a particular moment. Selection of a service may also be made from a software menu. It should also be appreciated that the same functionality is possible for astationary device 2C. Finally, it is noted that the type of service desired by the user of thedevices server system 1. As an example, if theuser device -
FIGS. 3A and 3B show schematic illustrations of theserver system 1. - The
server system 1 comprises aprocessor 20, amemory 21, anetwork adapter 22 for communication with one or more of thedevices 2A-2D via thenetworks relational database 23. It should be appreciated that theserver system 1 is normally capable of connecting to more than the fourelectronic devices 2A-2D shown inFIG. 1 . - The specific functions of the
server system 1 are schematically illustrated inFIG. 3B and will now be described in further detail. It should be appreciated that the functions may be largely implemented as software code portions of one or more computer programs embodied on one or more computer readable mediums (e.g. computer storage mediums) accessible to and executed on the processor 20 (server 1). - The
server system 1 comprises a public unique identifier (PUID)receiver 24 configured for receiving a PUID of a recipient from the user device(s) 2A, 2C. ThePUID receiver 24 may also be configured to receive a PUID of a user from the recipient device(s) 2B, 2D. - The
server system 1 also contains apayment service module 25 configured for performing the payment service for making a payment to the recipient on the basis of the PUID of the recipient received by thePUID receiver 24 from theuser device communication service module 26 is provided that is configured for performing a communication service, such as a telephony service, an electronic message service, a streaming media service and/or a web browsing service for establishing communication with the recipient using the PUID received by thePUID receiver 24 for establishing the communication. - In order to identify the type of service requested by the users of the
electronic devices server system 1 has a communicationtype message receiver 27 configured for receiving a communication type message from themobile devices communication service module 26 is further configured for initiating the communication service in dependence of the communication type message. The type of communication requested may also be deduced from other data in the request. - It should be appreciated that a composed message may be received from the user device(s) 2A, 2C containing the PUID of the recipient, the type of service requested and/or other data such as a monetary value for a payment service, an attachment and/or other contents.
- The user of the
device server system 1 contains aconverter 28 configured for converting the PUID to a payment address identifier (e.g. a bank account number) and/or a communication address identifier (e.g. a telephone number, an e-mail address and/or a URL of a web page). The payment address identifier and the communication address identifier need not to be known by the user of thedevice - The
server system 1 also contains apayment connection module 29 for connecting to an external payment system for requesting a payment service using the payment address identifier and acommunication connection module 30 for connecting to an external communication system for requesting a communication service using the communication address identifier. Thesemodules server system 1, as shown inFIG. 5 . - Conversion of the PUID into a regular contact identifier is not required. The
payment service module 25 may be configured for initiating the payment service using the PUID itself instead of a payment address identifier (i.e. the PUID functions as the bank account number) and thecommunication service module 26 may be configured for initiating the communication service using the PUID itself instead of a communication address identifier (i.e. the PUID is the telephone number, electronic message address and/or the URL). - The
server system 1 contains adetermination module 31 configured for determining whether the recipient uses the payment service and/or the communication service of theserver system 1 or an external system. - The
server system 1 also comprises alogin module 34A for receiving a login request from the device(s) 2A, 2C. The login request comprises at least one personal identifier in order to identify a user of thedevice server system 1 in such a case. - The communication with the
user devices key issuer 34B. The variable session key issuer is configured for issuing different session keys in response to subsequent requests from theuser devices issuer 34B may use random numbers but also outside parameters (such as e.g. a temperature measured by a temperature sensor at a particular location) to obtain the variable keys. - The
database 23 of theserver system 1 may store profiles containing one or more items (e.g. characteristics of the user) and requirement lists containing one or more criteria from users of theuser devices recipients using devices server system 1 can be used to enable the users and/or the recipients to fine tune conditions under which they want to be involved in a payment transaction and/or to have established communication between them. It should be appreciated that this manner of enabling and disabling communication differs from the prior art in that the enabling or disabling is not primarily based on a contact identifier (such as the PUID) of the devices and/or the user. - To that end, the
server system 1 comprises atracer 35 configured for tracing at least one requirement list of a user and/or a recipient. The requirement list of the recipient can be traced using the PUID of the recipient. The same holds for the requirement list of the user, although this list may also be traced on the basis of other data in the request from theuser device - Furthermore, the
server system 1 has ananalyser 36 configured for checking whether one or more items of a profile satisfy one or more criteria of a requirement list as will be explained in further detail below. - Two cases may be distinguished.
- In a first case, shown in
FIG. 4A , theanalyser 36 only compares the one or more items of the profile of the user of thedevice payment service module 25 and/or thecommunication service module 26 are activated. On the other hand, if the items do not fulfil the criteria, use of the payment service and/or the communication service by the user with respect to the particular recipient is denied. This type of analysis is suitable for white listing and/or blacklisting approaches. - In a second case, shown in
FIG. 4B , theanalyser 36 not only makes the above comparison, but also analyses whether or not one or more items of the recipient profile fulfil criteria of the user requirement list. Payment and/or communication is denied between the user and the recipient if a user item of the user profile does not satisfy a recipient criterion of the recipient requirement list and/or if a recipient item of the recipient profile does not satisfy a user criterion of the user requirement list. Only if the items fulfil the criteria in both directions, the payment/communication is allowed. This case can be referred to as a handshake case or a mutual approval case. - Items and corresponding criteria may relate to a variety of personal details, not being a contact identifier, including age, gender, body characteristics (e.g. hair colour, length), financial details, company details, geographic details (e.g. place of living, place of birth, address, street, p.o. box), personal items (e.g. preferences, such as brand preferences, social preferences (sports, communities, etc.)). Items may be user defined. Of course, the personal identifier (the PUID) may also be used for white listing, blacklisting and/or the mutual approval approach. Preferably, the fulfillment of all criteria by the items is analyzed.
- The items and corresponding criteria may also relate to the system, such as e.g. the behaviour of the user and/or recipient on the
server system 1. As an example, the server system may set a spam flag as an item in the profile of a user or recipient when this user or recipient has been notified as a spammer. Examples of such notification are provided in the international patent applications PCT/NL2007/050557 and PCT/NL2007/05055 of the applicant which are incorporated in the present patent application by reference in its entirety. - Briefly, these applications describe a system and method of reducing the proliferation of electronic messages in a server system comprising one or more servers for distributing the electronic messages. The method involves providing at least one electronic message or a portion thereof and receiving at least one spam notification signal related to said electronic message or said portion thereof. A portion of an electronic message may e.g. comprise one or more fields of the electronic message or a new portion assembled on the basis of fields or characteristics of the electronic message. Access to the electronic message (and/or the portion thereof) and/or to other (previous or future) electronic messages of the same source is restricted in response to receiving said at least one spam notification signal. The number of spam notification signals resulting in the restriction of access to the electronic message may be set. As an example, the number may be set to 50, 25, 10, 5 or even 1 spam notification signal before access to the electronic message is restricted.
- In this context, the applicant has realized that the conventional rule set used for recognizing e-mail spam messages is always outdated, despite the regular updates of the rule set provided by the spam filter developers. Ultimately, only human beings will be able to recognize e-mail spam messages. Moreover, the applicant has realized that the improvement of spam filters contributes to the increase of the total amount of spam rather than reducing it. The applicant, therefore, proposes to (solely) use spam notification signals from users to detect electronic spam messages and, upon receipt of such a spam notification signal, to restrict access to the corresponding electronic message for other (users of) user devices. The server system thus allows that addressees of an electronic message themselves determine what electronic messages are spam messages and that the addressees are subsequently able to determine the access (rights) of other addressees to that message (and possibly other previous and/or future electronic messages from the same source). In other words, the spam notification signal is an order to the server system to restrict access to messages. In case of multiple spam notification signals, each signal can be regarded as a partial order. As an example, the other (users of) user devices may not display or download the electronic message. Spam filters using spam recognition rule sets, spam parameters and criteria may be absent in the server system, at least for those electronic messages for which a spam notification signal has been received.
- Spam notification messages may be set or received for other services than electronic mail, where the system or the recipient/destination party finds a person abuses the system.
- For example, for telephony services, a system and method can be applied for establishing a telephone connection between a first subscriber device (A-subscriber device) and a second subscriber device (B-subscriber device) in a telephone system. The telephone system is arranged for connecting the A-subscriber device (the calling party) and the B-subscriber device (the called party). The method includes receiving a request from the A-subscriber device to establish a connection with the B-subscriber device and also receiving a personal identity code of a user of said A-subscriber device. The connection can be established between the A-subscriber device and the B-subscriber device only after having received said personal identity code of said user of said A-subscriber device.
- By receiving a personal identity code of a user, the telephone system is able to actually recognize the person that is requesting services of the system instead of only recognizing the device that is used. Consequently, the telephone system can apply measures to a particular user instead of only to a device as a result of the received authentication information. In other words, measures applied to a particular users cannot be avoided or circumvented by using a different device. An example of such a measure may be restricting the access of a particular user to services of the telecommunication system.
- In order to make spam notification, the system and method may allow receiving one or more access restriction signals and restrict access to at least one of said telephone system and a user of said A-subscriber device or said B-subscriber device for at least one of said user of said A-subscriber device and said user of a B-subscriber device in response to receiving said one or more access restriction signals.
- The user of the B-subscriber device has the possibility to restrict access to the telephone system for the user of the A-subscriber device if the telephone call is perceived by the user of the B-subscriber device as unsolicited or undesired. Access is restricted on the basis of the personal identity code of the user of the A-subscriber device and, therefore, this user cannot simply circumvent this measure by using a different A-subscriber device. The personal identity code may e.g. be stored such that further attempts to establish a connection by the person owning the code are first checked against this storage before a connection can be established.
- The telephone system spam notification method and system is the subject of a non-prepublished patent application PCT/NL2007/050553 of the applicant which is incorporated in the present application in its entirety.
- The system item relating to spam may be set in the above-described manner. The system and/or users may determine whether this spam item relates to a single service or to multiple services.
- Of course, a possibility exists that the items of the user profile or recipient profile do not appropriately reflect the personal details. For example, a user or recipient item may indicate that the user or recipient is female at the age of 20, while in fact he is a 45-year old male. As another example, a user or recipient item may indicate that his bank balance is below 50000 Euros, whereas in fact his bank balance is above 100000 Euros. To that end, the
server system 1 distinguishes between verified items and unverified items. As an example, if theserver system 1 offers payment services itself, an item relating to the bank balance of a user or recipient can be verified internally, since the bank balance is recorded in theserver system 1. In other cases, such as gender or age, verification may be performed by checking external registers, requiring users and recipients to submit a copy of the passport etc to verify the validity of the item. Verification of unverified items may also take place by verifying changes in the items, such as changes in age or gender. Age should always change upwards with one year at the time, whereas gender generally would not change at all. If such items change in an unexpected manner, the items may be set to be unverified, either indefinitely or not. The complete profile may also be marked as not trustworthy. - In order to increase certainty, the
server system 1 comprises averification indication receiver 37 configured for receiving and processing a verification indication from adevice device - Although the items are safely secured within the
server system 1 and cannot be requested as such from outside theserver system 1, in principle it would be possible to obtain an estimate of one or more items, e.g. one's bank balance, by making various requests to theserver system 1 sending the PUID of this person and see whether or not communication/payment service is requested or performed. Theserver system 1 may therefore be configured such that items of the profiles of the user and/or the recipient are by default prevented from checking. Furthermore, theserver system 1 comprises a checkingprevention indication receiver 38 configured for receiving and processing a checking prevention indication from adevice device analyser 36. - In the
server system 1 as described above, there exist various situations wherein an item is not available for checking against a criterion. Examples include the situation wherein a profile does not contain an item required for checking against a criterion of a requirement list (e.g. when the item is not filled in or does not even exist) and the situation wherein an item is prevented from checking by the default setting or by a checking prevention indication signal (see previous paragraph). In order to allow the user or recipient to decide to allow payment and/or communication, theserver system 1 comprises anotification transmitter 39 configured for transmitting a notification request to adevice 2A-2D of the user or recipient from whose profile the check would be made, e.g. by means of a pop-up screen on the device. The notification request may present an option to ignore e.g. the checking prevention indication to permit checking of said at least one item against a corresponding criterion of a requirement list. If the user/recipient permits checking, the prevention indication may be lifted either permanently or temporarily by theserver system 1 receiving such an instruction from thedevices 2A-2D. As an example, if a user desires to communicate with a recipient by telephone and the recipient requirement list indicates that this is only possible if his bank balance is checked as an item on the user profile list against a corresponding criterion on the recipient requirement list, the user should first permit checking of his bank balance before the communication is established. The release of the checking prevention indication does not mean that this information is communicated to the other party. It only involves the availability of an item for a check against the criteria of a requirement list. Of course, the recipient may also unblock his items, if desired, e.g. for marketing purposes. - Items and criteria may be set to apply for one or more services using
service selector 39A. - The
server system 1 ofFIG. 5 is an embodiment comprisingmultiple servers 1A-1C, wherein server functions and/or data are e.g. distributed over multiple servers connected bysecured network connections 40. At least one of the payment and communication services is executed by anexternal system 41. Theexternal system 41 may be connected via a gateway (not shown) to theserver system 1. Items and criteria may be distributed over theservers 1A-1C and be retrieved from thevarious servers 1A-1C upon request of a service. Such an embodiment may e.g. be useful to safeguard privacy. - The operation of the
server system 1 will now be described for several practical situations with reference toFIGS. 7-11 . - First, it is assumed that a business transaction is to be arranged between Ghislaine (user) and Dirk (recipient). Ghislaine only has a business card of Dirk as shown in
FIG. 6 . The below table shows details of Dirk and Ghislaine stored in thedatabase 23 of theserver system 1. -
Name Ghislaine Dirk PUID Ghisje DiRk Username ***** ****** Password ***** ****** Telephone number +31 20 51 10 930 Bank account 50.37.56.587 E-mail address Website www.scipioo.com -
FIG. 7 shows the situation wherein Ghislaine attempts to contact Dirk by telephone. She logs in on theserver system 1 usinglogin module 34A with her user name and password instep 50. Then, instep 51, she makes a phone call using the PUID “DiRk” which is received by thePUID receiver 24. The database does not store a separate telephone number for thedevice 2B of Dirk and thedetermination module 31 determines that Dirk uses the telephony service of the server system 1 (e.g. using an internal code). In this situation, the telephone connection can be made instep 52 via thetelephony service module 26 using the PUID of Dirk, or a derivative thereof, as the telephone number ofdevice 2B it the device accepts such a request. In this case, the telephone device does not require a traditional SIM card. However, it is also possible to convert the PUID “DiRk” to a traditional telephone number (available in the system, e.g. entered in the table) usingconverter 28 and connect to the traditional telephone number ofdevice 2B. Ghislaine and Dirk may now discuss the business transaction. -
- In
FIG. 8 , Ghislaine logs in on theserver system 1 usinglogin module 34A again usingdevice 2A instep 60. Of course, logging in would not necessarily be required twice if the connection withserver system 1 was maintained. Theserver system 1 presents an interface of thedisplay 11 using a first session key. Ghislaine again enters the PUID “DiRk” to make the payment to Dirk instep 61 and theserver system 1 presents a further screen to enter a payment amount under a second session key, different from the first session key. The payment amount of 100000 is received by theserver system 1 instep 62. Of course, the payment amount may also be received by theserver system 1 instep 61, i.e. together with the PUID of the recipient. - The
determination module 31 determines that Dirk does not use the bank services of theserver system 1, since Dirk has filled in an external bank account number in the table. In response to this determination, thepayment connection module 29 is activated to make the payment to an account on an external bank system 41 (FIG. 5 ) instep 63. Dirk may now use hisdevice 2D to check with hisbank 41 whether or not the payment has been made (step 64). - In the above example, it has been assumed that Ghislaine and Dirk have not made use of the profile and requirement list options provided to implement additional security measures. Such security measures may be desired, since the PUID is intended to be publicly available.
- The profiles and requirement lists of Ghislaine and Dirk are provided in the below table.
-
Profile PUID (Ghisje) Profile PUID (DiRk) Gender Female Male Age 25 45 Bank balance BLOCKED 1 500 000 Industry ICT (not verified) ICT SPAM notification YES NO Requirement list Ghisje Requirement list DiRk Industry = ICT Industry = ICT (verification required) Bank balance > 50 000 (for payment services) -
FIG. 9 shows alogin step 70 of Ghislaine using thelogin module 34A for verifying the user name and password. Instep 71, a composed message containing the PUID “DiRk” and an indication that a telephony service is requested is received by thePUID receiver 24 in combination with the communicationtype message receiver 27. - The PUID “DiRk” is used by the
tracer 35 to trace the requirement list of Dirk. The requirement list comprises a first criterion relating to the type of industry the other party should be involved in, viz. Information and communications technology industry (ICT). This criterion should be fulfilled for all services. Moreover, the industry item of the profile of the other party (in this case Ghislaine) should be a verified item. The requirement list of Dirk comprises a second criterion prescribing that the bank balance of the other party should be be higher than 50000. However, this criterion is only relevant for payment services. Dirk may have entered these criteria in theserver system 1 before thelogin step 70. - In the present case, the telephony service will not be performed, since the
analyser 36 will find that, although the industry item in the profile of Ghislaine is ICT, this is not a verified item, such that the analyser will not instruct thetelephony service initiator 26 to initiate a telephone connection (indicated by the cross in step 72). - This situation will force Ghislaine to have the industry item of her profile verified in the
server system 1, e.g. by submitting contract details to the moderator of theserver system 1. If this item is verified, a telephone connection betweendevice 2A anddevice 2B can be established via thetelephone service initiator 26 in accordance with the case ofFIG. 7 . - It should be noted that if Dirk's requirement list would have contained a criterion that Ghislaine should not have been notified as a spammer on the
server system 1, theanalyser 36 would have never triggered thetelephone service module 26, since Ghislaine's profile list includes a system item indicating that she has received a spam notification. This item is by default a verified item that could not be prevented from checking by theanalyser 36. The system item may either be valid for only one service or for multiple services. In a practical situation, it is envisaged that a spam criteria is by default part of the requirement list of any user and recipient (but may be removed from this list, as Dirk has done in the present example). - After the telephone conversation, Ghislaine again desires to wire a sum of 100000 to the (external) bank account of Dirk. Ghislaine submits the PUID “DiRk” to the
server system 1 instep 73 together with an indication message that a payment service is required. This indication may be implicit by entering the amount of 100000 in an amount field on thedisplay 11, which amount is received instep 74. The PUID, the indication and the amount field may be received in a single composed message. It is not required that the PUID is sent for each service separately. - After tracing the requirement list of
Dirk using tracer 35 on the basis of the PUID of Dirk, theanalyser 36 finds that Dirk's requirement list also has a criterion that he should only be checked for payment services wherein the other party has a bank balance of at least 50000. When checking the corresponding item in the profile of Ghislaine, the analyser finds that this item is prevented from checking. This may be the default setting or may be set by Ghislaine using the checkingprevention indication receiver 38 of the server system 1 (see table: BLOCKED). It should be appreciated that all items and criteria are not communicated to users of theserver system 1 as such, but may be available for checking by theanalyser 36, if not prevented. Consequently, theanalyser 36 can not perform the check for the bank balance of Ghislaine in this case. Theanalyser 36 can again perform the check of the industry requirement. It is noted that if the bank balance requirement was also applicable for other services, such as the telephony service, the telephony service was not initiated before allowing the check of the bank balance (and if the bank balance was found to be insufficient, a telephony service would not be initiated). That is, criteria may either be applicable to one service or to a plurality of services. - Ghislaine may have chosen an option that in such a case, the
notification transmitter 39 of theserver system 1 notifies her,step 75, of the fact that Dirk's requirement list requires checking of her bank balance before a payment can be made. She may then choose to (temporarily) permit checking of her bank balance item,step 76. Subsequently, the analyser may perform the check against the bank balance criterion of Dirk's requirement list and trigger thepayment service module 25 to start the payment transaction (steps 77, 78 in accordance withsteps FIG. 8 ). -
FIG. 10 provides yet another example of a method and system for permitting or denying service. - Deirdre and Henk have agreed to make a phone call. Henk uses his
device 22. Thesystem 1 instep 80 receives the PUID of Deirdre andtracer 35 traces the requirement list of Deirdre on the basis of the PUID. The profile of Henk is also traced and theanalyser 36 checks whether the items of Henk's profile satisfy the applicable corresponding criteria of Deirdre's requirement list. It is assumed that theanalyser 36 finds that the items of Henk's profile satisfy the criteria of Deirdre's requirement list. - However, the
system 1 has been set that mutual approval is required for initiating this service and, therefore, the telephone communication is not yet effected (indicated by the cross in step 81). - At a later moment, Deirdre contacts the system 1 (step 82) using Henk's telephone number. The
tracer 35 now traces Henk's requirement list and theanalyser 36 checks whether Deirdre's items match the criteria of Henk's requirement list. If theanalyser 36 finds that the items of Deirdre's profile satisfy the criteria of Henk's requirement list, telephone communication may be initiated (step 83), either directly after the check or at a later time. - The embodiment of
FIG. 10 uses the mutual approval method described with reference toFIG. 4B . It should be appreciated, however, that mutual approval does not necessarily require both parties to contact thesystem 1. In the above example, Henk's call would allow both checks to be made on the basis of the telephone number of Ghislaine and the contact details of Henk (e.g. his login data, a telephone number, the IMEI code etc.). -
FIG. 11 shows a case wherein a user sends a spam e-mail from hisuser device 2C (step 90). Instep 91, thesystem 1 receives a span notification message of an arbitrary user device X. The spam notification message may be obtained in a manner described in the non-prepublished international patent applications PCT/NL2007/050557 and PCT/NL2007/050555 of the applicant which are incorporated in the present application by reference in its entirety. The profile of the user now has a system item reflecting that the user has been notified as a spammer. Instep 92, the user makes a telephone call torecipient device 2B with hismobile phone 2A. Thetracer 35 of thesystem 1 traces the recipient requirement list of the recipient. Theanalyser 36 finds out that the recipient requirement list contains a criterion that the recipient would not like to be involved in a service initiated by someone that is registered as a spammer. Consequently, a telephone connection will not be established, indicated by the cross instep 93. - It should be noted that many more examples have been envisaged of practical applications of the single PUID in combination with internally provided services, the profiles with items and the requirement lists with corresponding criteria. Practical applications include marketing applications, dating site applications, etc. One or more items of profiles may be unblocked permanently or permanently in exchange for e.g. free communication, free banking or other advantages. All such applications fall under the scope of protection of the present patent application.
- Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above as has been determined by the courts. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.
Claims (44)
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US20080192918A1 (en) * | 2007-02-08 | 2008-08-14 | Dlb Finance & Consultancy B.V. | Method and system for establishing a telephone connection |
US20080196094A1 (en) * | 2007-02-08 | 2008-08-14 | Dlb Finance & Consultancy B.V. | Method and system for restricting access to an electronic message system |
US20080194234A1 (en) * | 2007-02-08 | 2008-08-14 | Dlb Finance & Consultancy B.V. | System and method of establishing a telephone connection |
US20080196092A1 (en) * | 2007-02-08 | 2008-08-14 | Dlb Finance & Consultancy B.V. | Method and system for reducing the proliferation of electronic messages |
US20080195713A1 (en) * | 2007-02-08 | 2008-08-14 | Dlb Finance & Consultancy B.V. | Method and system for transmitting an electronic message |
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US8239921B2 (en) | 2008-01-03 | 2012-08-07 | Dlb Finance & Consultancy B.V. | System and method of retrieving a service contact identifier |
US20090187666A1 (en) * | 2008-01-17 | 2009-07-23 | Dlb Finance & Consultancy B.V. | Method and system for controlling a computer application program |
US8463921B2 (en) | 2008-01-17 | 2013-06-11 | Scipioo Holding B.V. | Method and system for controlling a computer application program |
Also Published As
Publication number | Publication date |
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US8443424B2 (en) | 2013-05-14 |
US20080192918A1 (en) | 2008-08-14 |
US20080196094A1 (en) | 2008-08-14 |
AR064054A1 (en) | 2009-03-11 |
AR064580A1 (en) | 2009-04-08 |
EP1956541A1 (en) | 2008-08-13 |
AR064058A1 (en) | 2009-03-11 |
US20080194234A1 (en) | 2008-08-14 |
US20080196092A1 (en) | 2008-08-14 |
AR064053A1 (en) | 2009-03-11 |
US20080195713A1 (en) | 2008-08-14 |
US20080196093A1 (en) | 2008-08-14 |
AR064056A1 (en) | 2009-03-11 |
AR064055A1 (en) | 2009-03-11 |
AR064057A1 (en) | 2009-03-11 |
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