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WO2001052206A1 - Procede d'entreprise internet - Google Patents

Procede d'entreprise internet Download PDF

Info

Publication number
WO2001052206A1
WO2001052206A1 PCT/ZA2000/000004 ZA0000004W WO0152206A1 WO 2001052206 A1 WO2001052206 A1 WO 2001052206A1 ZA 0000004 W ZA0000004 W ZA 0000004W WO 0152206 A1 WO0152206 A1 WO 0152206A1
Authority
WO
WIPO (PCT)
Prior art keywords
business
provider
client
internet
details
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/ZA2000/000004
Other languages
English (en)
Inventor
Robert John Powell
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to PCT/ZA2000/000004 priority Critical patent/WO2001052206A1/fr
Priority to AU2000226388A priority patent/AU2000226388A1/en
Publication of WO2001052206A1 publication Critical patent/WO2001052206A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1058—PIN is checked locally
    • G07F7/1066—PIN data being compared to data on card

Definitions

  • the invention provides a method of conducting business over the
  • the ordered goods or services could be collected or delivered, and then only at the
  • the client is directed, directly or indirectly, to the internet
  • the client may bo unaware of the internet business management provider, and all tha steps may be conducted as if the client is dealing directly with the business provider.
  • the internet business management provider may be linked to a website
  • the internet business management provider may further be linked to a computer or computer network of the business provider.
  • Details of the business provider may be stored with the internet business management provider. These details may include details of
  • internet business management provider typically in a database specific to the business provider. These details may also include prices of
  • client may be restricted to purchasing only certain products and/or
  • the details may further include
  • the security procedures which are conducted by the internet business management provider in order to verify the authenticity of the client may include at least requesting from the client details provided on a
  • the token may be a card and the required
  • thumbprint or fingerprint or token which may be electronically scanned.
  • the password may be a PIN number.
  • the internet business management provider may compare the card
  • the internet business management provider may request the client to
  • client may select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also select the product and/or service required, and may also
  • the client may further be prompted
  • This information, together with the price of the product and/or service may then be stored by the internet business management provider. This order information may be cross-referenced with the stored
  • the order may be declined.
  • the internet business management provider may arrange for an
  • the order may be approved by the internet business management
  • the internet business management provider may access the computer or computer network of the business provider in order to supply the business provider with the completed
  • records of the business provider may be updated, such as entries in
  • the internet business management provider may generate a delivery
  • the internet business management provider may
  • a set of instructions for a central processing unit which includes instructions for carrying out a method of conducting business over the internet substantially as described above.
  • the instructions may be in a computer-readable format.
  • a computer programmed to carry out the method of conducting business over the internet substantially as described above.
  • a fourth embodiment of the invention there is provided: at least two computers in electronic communication, the computers being programmed to carry out the method of conducting business over the internet substantially as described above; an electronic card reader; and optionally an electronic fingerprint reader.
  • the method includes at least one computer program which has
  • the computer instructions for conducting business over the internet.
  • the computer instructions for conducting business over the internet.
  • program is divided into eight co-operating modules, which may be installed independently of one another and at least one of the modules
  • Each module performs different functions, which
  • the first module (module one) is intended to be loaded onto a web site
  • the module links the
  • IBMP infrastructure management provider
  • business provider attempts to perform a business transaction, typically in order to purchase a product and/or service, using the web site of the
  • Module one also contains computer instructions for linking the IBMP to
  • Module two is stored on the computer server of either the IBMP or the business provider's computer network.
  • the module stores information pertaining to the respective business provider.
  • the information includes the business provider's name, physical and postal address, telephone and fax numbers, E-mail address, a contact name, bank details, and debit order authorisation.
  • the information also includes the number of internet business authorisation tokens, typically cards, issued to the business provider, a number and password of each authorisation card, terms and conditions, the type of business, the number of employees, and the number of internet business licenses granted for using the program according to the invention.
  • the third module (module three) includes a database containing details
  • the information stored in the database of module two includes terms and conditions of business transactions between the client and the business provider, the client's name, names of persons authorised by the client to conduct internet business transactions with the business provider and the number on the authorisation card given to each person the cardholder's name, account number to be debited, credit/debit card number, the client's purchase limit and purchasing method (for example account, credit card or debit card).
  • the particular product price list for the client is also stored in module three, with the pricing per product/service. Further information which may be stored is a limitation of the products which are available to that client.
  • Module four stores on the IBMP server information related to the product portfolio of the business provider. For example, a stock code, product name, short product description, and a price including and excluding VAT will be listed for each product or service offered by the business provider.
  • Module five stores on the IBMP server all the product and/or service selections made by the client, and also lists the unit price paid per item
  • the sixth module processes the client's order on the IBMP server.
  • Module seven processes payment of the order on the IBMP server, and after the order has been accepted, links to the computer server of the business provider to provide the business provider with details regarding the order.
  • Module eight confirms the order with the client.
  • the computer servers of the IBMP and business provider are in electronic communication, and modules one to eight are installed on these servers. Additionally, the web site of the business provider is also electronically linked to the IBMP server.
  • a client of the business provider who is authorised to order a product over the internet is issued with an authorisation card which has an identification number, either printed thereon or encoded on a magnetic strip.
  • the client may also be issued with a magnetic card reader if the card contains a magnetic strip, and/or an electronic fingerprint reader.
  • the first module will request the client to enter the
  • the module will further
  • module six cross
  • the method of payment is selected according to
  • the card number is the information stored in the database, which includes the account number to be debited.
  • the card number is the information stored in the database, which includes the account number to be debited.
  • the card number is the information stored in the database, which includes the account number to be debited.
  • module eight accesses the business
  • an order reference number is generated which is returned to the client's terminal.
  • the business provider then only has to arrange for the products and/or services to be delivered to the client.
  • the invention is advantageous in that it provides a method of conducting business over the internet which has a number of security features to protect both a business provider and a client, and it also reduces considerably the administration required on the part of the business provider.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

L'invention concerne un procédé destiné à mener des affaires sur l'Internet. Le procédé consiste à relier au moins, via l'Internet, un fournisseur d'affaires et un fournisseur de gestion d'affaires, de telle façon qu'un client du fournisseur d'affaires puisse accéder à ce fournisseur afin de mener une transaction d'affaires, le client étant dirigé, directement ou indirectement, vers le fournisseur de gestion d'affaires Internet, qui vérifie l'authenticité du client au moyen de plusieurs procédures de sécurité, et, si toutes ces procédures sont satisfaites, il est possible de mener une transaction d'affaires, dont les détails sont ensuite transmis au fournisseur d'affaires pour traitement.
PCT/ZA2000/000004 2000-01-10 2000-01-10 Procede d'entreprise internet Ceased WO2001052206A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/ZA2000/000004 WO2001052206A1 (fr) 2000-01-10 2000-01-10 Procede d'entreprise internet
AU2000226388A AU2000226388A1 (en) 2000-01-10 2000-01-10 Internet business method

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/ZA2000/000004 WO2001052206A1 (fr) 2000-01-10 2000-01-10 Procede d'entreprise internet

Publications (1)

Publication Number Publication Date
WO2001052206A1 true WO2001052206A1 (fr) 2001-07-19

Family

ID=25560110

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/ZA2000/000004 Ceased WO2001052206A1 (fr) 2000-01-10 2000-01-10 Procede d'entreprise internet

Country Status (2)

Country Link
AU (1) AU2000226388A1 (fr)
WO (1) WO2001052206A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1276066A3 (fr) * 2001-07-10 2003-11-26 Systemneeds Inc. Méthode de délivrance de licences et système de fourniture de licences

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5724424A (en) * 1993-12-16 1998-03-03 Open Market, Inc. Digital active advertising
US5870723A (en) * 1994-11-28 1999-02-09 Pare, Jr.; David Ferrin Tokenless biometric transaction authorization method and system
WO1999049404A1 (fr) * 1998-03-24 1999-09-30 Telcordia Technologies, Inc. Procede d'utilisation d'une carte telephonique pour des transactions commerciales
US5978840A (en) * 1996-09-26 1999-11-02 Verifone, Inc. System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5724424A (en) * 1993-12-16 1998-03-03 Open Market, Inc. Digital active advertising
US5870723A (en) * 1994-11-28 1999-02-09 Pare, Jr.; David Ferrin Tokenless biometric transaction authorization method and system
US5978840A (en) * 1996-09-26 1999-11-02 Verifone, Inc. System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture
WO1999049404A1 (fr) * 1998-03-24 1999-09-30 Telcordia Technologies, Inc. Procede d'utilisation d'une carte telephonique pour des transactions commerciales

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1276066A3 (fr) * 2001-07-10 2003-11-26 Systemneeds Inc. Méthode de délivrance de licences et système de fourniture de licences

Also Published As

Publication number Publication date
AU2000226388A1 (en) 2001-07-24

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