WO2001011513A1 - Internet trade enhancing purchaser's security - Google Patents

Internet trade enhancing purchaser's security Download PDF

Info

Publication number
WO2001011513A1
WO2001011513A1 PCT/KR2000/000872 KR0000872W WO0111513A1 WO 2001011513 A1 WO2001011513 A1 WO 2001011513A1 KR 0000872 W KR0000872 W KR 0000872W WO 0111513 A1 WO0111513 A1 WO 0111513A1
Authority
WO
WIPO (PCT)
Prior art keywords
purchaser
credit card
host computer
seller
internet
Prior art date
Application number
PCT/KR2000/000872
Other languages
French (fr)
Inventor
Chul Park
Original Assignee
Chul Park
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 Chul Park filed Critical Chul Park
Priority to AU65990/00A priority Critical patent/AU6599000A/en
Publication of WO2001011513A1 publication Critical patent/WO2001011513A1/en

Links

Classifications

    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]

Definitions

  • the customer will send his credit card number to the credit
  • the most popularly used payment method for the internet trade is using credit card number.
  • Fig. 1 it is shown the payment system commonly used.
  • the internet trade comprises the purchaser(l)

Abstract

A secure method for purchasing goods through an electronic media such as internet using credit card number for a payment for internet trade. When a customer accesses to a certain shopping mall through internet deciding to purchase some goods, the computer in shopping mall generates customer identification number which comprises the online internet address of this computer and location of the saved data which contains the information of the goods which the customer chose to purchase. After receiving this identification number, the customer accesses to the computer of credit card company through internet and informs his credit card number and security number. After confirmed credit, the customer sends the customer identification number to the computer of credit card company. With this customer identification number, the credit card company contacts the shopping mall through online and confirm abouts the customer's credit and finally pays for the goods on behalf of the customer.

Description

Internet trade enhancing purchaser's security
Technical Field
A secure method for payment procedure for purchasing goods through
an electronic media such as internet using credit card number is
provided. The customer will send his credit card number to the credit
card company instead of shopping mall so that to reduce the risk of
disclosure of his credit card to uncertain several shopping mall.
Background Art
The most popularly used payment method for the internet trade is using credit card number.
Followings are the process of payment system in internet with flow
chart .
In Fig. 1, it is shown the payment system commonly used.
In Fig. 2, there is shown the flow chart of payment system in
internet using credit card.
As shown in Fig. 1, the internet trade comprises the purchaser(l)
and seller(2) and credit card company(3).
In the below, the customer will be indicated as purchaser because
in this invention the payment procedure will occur when the customer
will connect to internet to purchase some goods.

Claims

Also the special feature of internet trade is that the contract isoccurred via internet.In this invention, the purchaser means the person or company ororganization who would like to purchase something. The seller means5 who will sell something after order from purchaser. The object forthe selling can be the real goods or services or information or someother things which can be the object for the trade and accompanyingpayment .And the credit card company implies the company who superviseιn every payment system using credit card.The host computer of credit card company means the computer whichincludes the information of clients, including purchaser and seller,and which supervise the transfer of money in each side.And the internet address is the address of computer which can be.- accessed using internet or other network electronic signal line orother electronic media such as wire less telecommunication.In Fig. 2, there is shown the flow chart of internet trade.The purchaser who would like to purchase something through internet to start (SI) purchasing will access to internet(S2) using purchaser's20 computer. And the purchaser will choose to access(S3) the seller'sinternet homepage(2). The purchaser will choose the goods(S4) topurchase. After choosing the goods he would like to purchase, the purchaserwill send his intention to purchase to seller through internet (S5).In this case, the purchaser will fill up the document required fromseller. The seller's host computer will request the information ofpurchaser including name, address for the delivery, the way ofpayment and etc. (S6)Purchaser will fill up these information deciding way ofpayment (S7) .When the purchaser decide to pay with credit card, the seller'shost computer request to fill up credit card number with additionalnecessary information through internet .(S8)The purchaser will input his credit card number with additionalinformation requested in his computer and send these information.- through internet. (S9)After this status, the contract between purchaser and seller isfinished so that the seller received the reservation for thepurchasing and information for the payment.The purchaser can disconnect with seller's host computer, i.e. he~0 can move from the seller's homepage, after this process.The seller inquire the purchaser's credit to credit card company(3) with purchaser's credit card number following the requestfor the payment for the goods. (S10)The credit card company pay for the goods on behalf of purchaserafter confirming his credit.5 In parallel with this process or after confirming credit, theseller will send the goods requested by the purchaser(Sll) and thepurchaser will receive these goods(S12). The credit card company willpay to the seller about the goods. (S13)The credit card company will request payment to the purchaserιn about this trade after some terms(S14).The purchaser will pay to the credit card company through directremittance or transferring from bank account or other way. (S15)The trade via internet will finish after this payment .(S16)Using this kind of internet trading, the purchasers can purchase1 easily the goods what he wants and the sellers can sell their goodsthrough internet safely.Disclosure of InventionBut the internet trade described above has many problems.At first, the purchaser should input his credit card number to the ~π seller's host computer. As there are so many shopping mall, thepurchaser's credit card number will be known to too many sellers.At second, in internet trade using credit card, the purchasercannot input his secret number because of security. In the result, anybody who knows the purchaser's credit card number can illegally use the purchaser's credit card for purchasing goods using internet.At third, the purchaser should fill up lots of his informationincluding phone number, delivery, social security card number etc toeach shopping mall. At fourth, there is delay of confirming of purchaser's creditbecause of the after processing for the credit inquiry.So this invention provide the solution for the above mentionedproblem.For the internet trade, according to this invention, the seller'shost computer generates purchaser's access code for each trade.The purchaser's access code can be notified as customeridentification number because it can be used to identify purchaser,i.e. the customer.Purchaser's access code consists of purchaser's temporaryidentification number and online internet address of seller's hostcomputer.Purchaser's temporary identification number is the specificaccount number for the purchaser which composes with character ornumber . The purchaser's temporary identification number is automaticallygenerated after decision of purchasing of goods for the purchaser by the seller's host computer. Using purchaser's identification number, the seller's host computercan identify the location of the saved data which contains theinformation of the goods for which the purchaser chose to purchase. Using the purchaser's identification number, it is possible forthe seller's host computer to write and read data for specificpurchaser .Seller's host computer has the database for the information forthe purchaser who decided and confirmed to purchase the goods which can be searched using purchaser's temporary identification number.The internet address of seller's host computer is the address forthe seller's host computer which can be accessed by the host computerof credit card company.The internet address of seller's host computer includes theinternet address of seller's computer which contain the informationof purchaser's decision for purchasing which can be accessed by hostcomputer of credit card company.The seller's host computer will save the purchaser's information ineach files or in some database file.The file notified above is the excel file or HTML file or someother format of file which can be opened and readable and writable inspecified software. The purchaser's temporary identification number is the key accountto search the information for the goods which is saved in seller'shost computer in specific files or in database.After receiving the purchaser's access number from the seller'shost computer via internet, purchaser will access to the homepage ofcredit card company through internet.As the host computer of credit card company request to thepurchaser, the purchaser will input his credit card number and secretnumber .The host computer of credit card company will check the credit ofthe owner of this credit card. After confirming the credit, the hostcomputer inform to the purchaser through internet to proceed nextstep.The purchaser will provide the the purchaser's access number tothe host computer of credit card company using his computer throughinternet using his computer.The host computer of credit card company has the information about the purchaser which was saved previously about the purchaser's homeaddress for the goods delivery, and other information for internettrade.If the purchaser would like to send the goods to other address, then he can input it in this stage.Also the purchaser can input the address for the delivery when theseller request for it.The host computer of credit card company will access to the host computer of seller referring the internet address of seller's hostcomputer from the purchaser's access code.Also the host computer of credit card company send the purchaser'stemporary identification number to the seller's host computer.After receiving the purchaser's temporary identification number.the seller's host computer will search the number in the database orin f i les.After confirming the purchaser's temporary identification number,the seller's host computer will check the goods which the purchaserordered and calculate the total price including delivery fee, tax,etc.The host computer of credit card company send the information ofpurchaser about the credit for payment and address of delivery, etc.The seller will continue sending goods and asking payment tocredit card company and other necessary steps on the base of thisconfirming and information from credit card company.The advantage of using purchaser's access code is that the purchaser can send his purchasing information to credit card companydirectly. As he will only input his credit card number and securitynumber to the host computer of credit card company directly, he canprevent the risk of opening his credit card number to shopping mall.Also as the purchaser access to credit card company directly, hecan input secret number of credit card. So the security of purchaser's credit card is protected.Brief Description of DrawingsFig.l is block diagram illustrative the process of purchasing andpayment system through internet.Fig.2 is flow chart of conventional internet trade and internetpayment system.Fig. 3 is the flow chart of internet trade and internet paymentsystem provided by this invention.Best Mode for Carrying Out the InventionThe flow of the internet trade following this invention isprovided below as shown in Fig. 3.The purchaser will turn on the computer to start (S17) and accessto internet (S18) using web browser. After accessing a certain seller's homepage(S19) which means a certain internet shopping mall,he chooses the goods what he wants to purchase(S20) . After choosing the goods he wants to purchase, the purchaserexpress his intention to purchase by clicking certain buttons as indicated seller's homepage(S21).Seller's host computer which is conducting every procedure for theinternet trade will check the goods which the purchaser has chosenand confirm the intention for purchasing. After confirming, the seller's host computer generates the purchaser's access code and sendit to the purchaser's computer who is still connecting the seller'shomepage. (S22)The seller's host computer means the computer which conduct everyprocedure for the internet trade.The purchaser's access code consists of purchaser's temporaryidentification number and internet address of seller's host computer.The purchaser's temporary identification number is the specific.- account number for the purchaser which is composed with characters ornumbers.The purchaser's temporary identification number is automaticallygenerated after decision of purchasing of goods for the purchaser by the seller's host computer.~0 Seller's host computer has the database for the information forthe goods which the purchaser has chosen to purchase and the purchaser who decided and confirmed to purchase the goodsThe database can be searched using purchaser's temporaryidentification number.The internet address of seller's host computer is the onlineaddress for the seller's host computer which can be accessed by thehost computer of credit card company.For example, if the internet address of the company named audioworld is www. audiowor 1d. com. also if the purchaser's temporaryidentification number is "123", then the purchaser's access code canbe www.audioworld.com: : 123.If the internet address of seller's homepage for the internetpayment system between credit card company and seller is in thedirectory named www. audiowor 1d.com/credi 11rade , and also if the purchaser's temporary identification number is "123", then thepurchaser's access code can be www.audioworld.com/credittrade: : 123.If they do not use special characters for dividing, they can input the internet address of seller's homepage and the purchaser'stemporary identification number separately.The internet address of seller's host computer can be any kind ofaddress if this address can be known and accessed by the hostcomputer of credit card company. In this case internet payment system should work between two computers.The internet address of seller's host computer can be registeredin host computer of credit card company with other registered code. The seller's host computer can use this registered code for thepurchaser's access code because this registered code can be used asinternet address for access by host computer of credit card company. After receiving the purchaser's access number from the seller'shost computer via internet, purchaser will access to the homepage ofinternet card company. (S23)As the host computer of card company request to the purchaser, thepurchaser will input his credit card number and secret number. (S24)After checking the credit of purchaser using credit card numberand secret number, host computer of credit card company send themessage for starting payment procedure. (S25) The purchaser will provide the the purchaser's access number tothe host computer of credit card company through internet using hiscomputer. (S26)For example, he will input www.audioworld.com: :123.The host computer of credit card company discriminate the internet address of seller's homepage and the purchaser's temporaryidentification number using these specific characters. The host computer of credit card company will access to the host computer of seller referring the internet address of seller's hostcomputer from the purchaser's access code.(S27)After connecting with seller's host computer, the host computer ofcredit card company will confirm about the purchaser using purchaser's temporary identification number . (S28) After confirming,the host computer of credit card company sends the information for the credit of purchaser and the purchaser's name, address for goodsdelivery, etc.(S29) The seller's host computer can send the request for thecorrectness directly to purchaser's computer and the purchaser cansend confirming.(S30)In this case, the purchaser's computer is still connecting withthe seller's homepage with additional web browser window.After this step, the real contract between purchaser and seller isconfirmed.The purchaser can disconnect with seller's homepage after thisstep.The seller request for the payment to the credit card companythrough internet or other online request .(S33)Also the seller send goods to purchaser .(S31) The purchaser will receive the goods. (S32)And the credit card company pay to seller on behalf of purchaserand request for the payment to the purchaser .(S34)The purchaser will pay to the credit card company. (S35)After this step, the internet trade will be f inished.(S36)As described above, the purchaser send information separately toseller and credit card company.The advantage of using purchaser's access code is that thepurchaser can send his purchasing information to credit card companydirectly. As he will input his credit card number and security numberonly to the host computer of credit card company directly, he canprevent the risk of opening his credit card number to shopping mall.Also as the purchaser access to credit card company directly, hecan input secret number of credit card. So the security of purchaser's credit card is protected.Another application of this invention is using telephone. After receiving the purchaser's access code from the seller's host computer,the purchaser can send this access code to credit card company usingtelephone. When the purchaser is using telephone, the purchaser's access codeis composed of numbers and characters which can be input using telephone.If the purchaser is using telephone, his security protected moresafely.Another application of this invention is the purchaser can use hisbank account instead of his credit card.After receiving the purchaser's access code from seller's hostcomputer, the purchaser connect to the bank in internet. And he willinput the account number and security number for his account. After this, he will send the purchaser's security code to the host computerof bank through internet .The host computer of bank will check the purchaser's account. Ifthere are sufficient money in the purchaser's account, the hostcomputer of bank will connect to seller's host computer to finish thepayment with the same processing described above in case of creditcard.Another application for this invention is using intermediate hostcomputer. Intermediate host computer is owned by another certifiedcompany for payment system for internet trade.Intermediate host computer mediate the credit confirming andpayment system between purchaser and credit card company.In this case, the purchaser will send the purchaser's access codeto this intermediate host computer instead of that of credit card company.Then intermediate host computer will check the purchaser's creditby connecting the host computer of credit card company. If the purchaser's credit is certified, the intermediate host computer willconnect to the seller's host computer using purchaser's access code toconfirm the trade.The intermediate host computer can register the purchaser previously as member with purchaser's information such as name,address for delivery, etc.The advantage for this system is that it makes it possible to savethe investment for the hardware and software installation for theinternet banking system following this invention.For the intermediate host computer, it can also use bank accountinstead of credit card. To enhance the purchaser's convenience, when the purchaser's accesscode is input to purchaser's computer, the web browser canautomatically connect to the homepage of credit card company. Thepurchaser can choose manual connect or automatic connect to hostcomputer of credit card company. To enhance security, the seller's host computer check the addressof host computer of credit card company for the correctness ofinformation for payment credit when the host computer of credit card company connected to seller's host computer.The encryption of the data transfer can be applied using wellknown encryption method.Using the purchaser's access code, it gives the purchaser betterchances for internet shopping.As the process for the internet trading in this invention will work when purchaser send the purchaser's access code to host computerof credit card company or host computer of bank, the purchaser hasthe right to send or to abandon the access code after checkingspecification for goods.So the purchaser can access to many different internet shoppingmall for the same or similar goods.When the seller's host computer send the purchaser's access codeafter choosing the goods, the seller's host computer can attach thefiles in database format for the information for the goods for whichthe purchaser has chosen.The purchaser can receive these information files from several different internet shopping malls. The purchaser's access code isalso different from each internet shopping mall.The purchaser can compare the conditions for the goods, forexample, the price, the delivery, warranty, etc. When the purchaser has chosen the best conditions for the goods from the specific internet shopping mall, he can send the purchaser'saccess code from this shopping mall to the host computer of creditcard company or host computer of bank.5 Also the information for the goods from the seller which came with purchaser's security code can be used for checking the goods afterthe purchaser received the goods.The other use of purchaser's access code is that using purchaser'saccess code makes it possible to use personal identification numberlOwith security number instead of using credit card number or bankaccount directly.Personal identification number is made of characters or numerical numbers as well used. This purchaser's personal identification numberis registered to the host computer of credit card company or bank. 5This purchaser's personal identification number registered in creditcard company is related with purchaser's credit card number. So thepurchaser can access to the host computer of credit card company withhis identification number to follow the process the internet trade asdescribed in this invention. When the host computer of credit card20company received the purchaser's identification number and followingsecurity number and with purchaser's access code, it search for the credit card number in database which is matched with this purchaser'sidentification number. After searching for the credit card number,the host computer of credit card company will continue the internet payment system using purchaser's access code with seller's hostcomputer.The advantage of using purchaser's identification number insteadof credit card number directly is that it will reduce the risk ofcredit card number known to other person.For the bank account instead of credit card, the purchaser'sidentification number can be used also.At first, the advantage of using purchaser's access code is thatthe purchaser can send his purchasing information to credit cardcompany directly. As he will only input his credit card number andsecurity number to the host computer of credit card company directly,he can prevent the risk of opening his credit card number to shoppingmall. Also as the purchaser access to credit card company directly,he can input secret number of credit card. So the security of purchaser's credit card is protected.At second, the other advantage using purchaser's access code is thatas the host computer contact directly to the seller's host computer,the confirmation for the purchaser's credit is informed quickly toseller's host computer to continue the internet trade and delivery. At third, the host computer of credit card company will send also the delivery information for the purchaser to the seller's hostcomputer. In this case, the purchaser do not need to input his delivery information to the seller's host computer in eachpurchasing.At fourth, as the purchaser can get different information for thesame or similar goods from different shopping malls in addition to different purchaser's access code, he can compare each specificationsincluding price before sending purchaser's access code. Claims
1. A method and procedure for payment system of purchasing goods
through internet, comprising :
I The step for method and procedure that purchaser turn on
the computer and access to internet using web browser, connecting to a certain seller's homepage and choosing the
goods for purchasing. I The step for method and procedure that the seller's host
computer generates the purchaser's access code and send it to
the purchaser's computer who is still connecting the seller's
homepage.
I The step for method and procedure that purchaser access to
the homepage of internet card company and input his credit card
number and secret number as requested.
I The step for method and procedure that the host computer
of credit card company check the credit of purchaser using
credit card number and secret number, confirming for the credit
to purchaser to start payment procedure.
I The step for method and procedure that the purchaser provide the the purchaser's access number to the host computer
of credit card company through internet using his computer. I The step for method and procedure that the host computer
of credit card company access to the host computer of seller referring the internet address of seller's host computer from
the purchaser's access code.
I The step for method and procedure that the host computer
of credit card company confirm about the purchaser using purchaser's temporary identification number .
I The step for method and procedure that the host computer
of credit card company sends the information for the credit of purchaser and the purchaser's name, address for goods delivery.
I The step for method and procedure that after receiving the purchaser's temporary identification number ,the seller's
host computer search the number in the database or in files
checking the goods which the purchaser ordered and calculate
the total price including delivery fee, tax.
I The step for method and procedure that the seller's host
computer send the request for the correctness directly to purchaser's computer for the purchaser's confirming.
I The step for method and procedure that the seller request
for the payment to the credit card company through internet or
other online request. I The step for method and procedure that the seller send
goods to purchaser.
I The step for method and procedure that the purchaser
receive the goods.
• The step for method and procedure that the credit card
company pay to seller on behalf of purchaser
I The step for method and procedure that the credit card
company request for the payment to the purchaser.
I The step for method and procedure that the purchaser will
pay to the credit card company.
2. A method and procedure for payment system of purchasing goods through internet of claim 1 using purchaser's access code
comprising : I purchaser's temporary identification number with which
seller's host computer search the saved data in database for
the information for the goods for the purchaser has chosen to
purchase.
I internet address of seller's host computer whit which the the
host computer of credit card company access to seller's host
computer.
3. A method and procedure for payment system of purchasing goods through internet of claim 1 with the format of purchaser's access
code wherein the internet address of seller's homepage and the
purchaser's temporary identification number are divided by special
characters.
4. A method and procedure for payment system of purchasing goods
through internet of claim 1 for connection with host computer of
credit company, the purchaser choose manual connect or automatic connect when the purchaser's access code is input to purchaser's
computer by the web browser to the homepage of credit card company.
5. A method and procedure for payment system of purchasing goods through internet of claim 1 with the format of purchaser's access
code wherein there is attached the files in database format for the
information for the goods which the purchaser has chosen.
6. A method and procedure for payment system of purchasing goods
through internet of claim 5 with the databases for goods from several different shopping mall attached to purchaser's access code : wherein
it is used to compare goods for final decision to send it to host
computer of credit card company.
7. A method and procedure for payment system of purchasing goods
through internet of claim 1 wherein intermediate host computer
mediate the credit confirming and payment system between purchaser
and credit card company.
8. A method and procedure for payment system of purchasing goods through internet of claim 1 wherein the seller's host computer check
the address of host computer of credit card company for the
correctness of information for payment credit when the host computer of credit card company connected to seller's host computer.
9. A method and procedure for payment system of purchasing goods through internet of claim 1 wherein purchaser send purchaser's access
code to the host computer of bank with his bank account number and
security for payment.
10. A method and procedure for payment system of purchasing goods
through internet of claim 1 wherein personal identification number
with security number instead of using credit card number or bank
account directly is registered and used.
11. A method and procedure for payment system of purchasing goods
through internet of claim 9 where in telephone or internet is used
for connection to credit card company or bank or intermediate
company.
PCT/KR2000/000872 1999-08-10 2000-08-08 Internet trade enhancing purchaser's security WO2001011513A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU65990/00A AU6599000A (en) 1999-08-10 2000-08-08 Internet trade enhancing purchaser's security

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR1999/32837 1999-08-10
KR19990032837 1999-08-10
KR1020000043903A KR20000063676A (en) 1999-08-10 2000-07-28 Internet trade enhancing purchaser's security
KR2000/43903 2000-07-28

Publications (1)

Publication Number Publication Date
WO2001011513A1 true WO2001011513A1 (en) 2001-02-15

Family

ID=26636012

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2000/000872 WO2001011513A1 (en) 1999-08-10 2000-08-08 Internet trade enhancing purchaser's security

Country Status (3)

Country Link
KR (1) KR20000063676A (en)
AU (1) AU6599000A (en)
WO (1) WO2001011513A1 (en)

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