[go: up one dir, main page]

WO2010010062A3 - Système de paiement anonyme inviolable - Google Patents

Système de paiement anonyme inviolable Download PDF

Info

Publication number
WO2010010062A3
WO2010010062A3 PCT/EP2009/059293 EP2009059293W WO2010010062A3 WO 2010010062 A3 WO2010010062 A3 WO 2010010062A3 EP 2009059293 W EP2009059293 W EP 2009059293W WO 2010010062 A3 WO2010010062 A3 WO 2010010062A3
Authority
WO
WIPO (PCT)
Prior art keywords
buyer
accounts
access
anonymous
sellers
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/EP2009/059293
Other languages
German (de)
English (en)
Other versions
WO2010010062A2 (fr
Inventor
Andreas Traint
Michael Türk
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
Publication of WO2010010062A2 publication Critical patent/WO2010010062A2/fr
Publication of WO2010010062A3 publication Critical patent/WO2010010062A3/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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
    • G06Q20/02—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
    • G06Q20/38—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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0407—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden
    • H04L63/0414—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden during transmission, i.e. party's identity is protected against eavesdropping, e.g. by using temporary identifiers, but is known to the other party or parties involved in the communication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Landscapes

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

Abstract

L'invention concerne un procédé d'exécution de transactions de paiement sûres dans un réseau de données (18) et dans un réseau de télécommunication (19) au moyen d'un système de gestion (10). Le système de gestion est composé d'au moins un serveur de base de données (11) comportant au moins une base de données contenant des comptes numérotés anonymes (14) et des comptes d'acheteurs authentifiables (15). Ces comptes jouissent de procédés d'accès simples et sûrs (12) de telle manière que l'acheteur (17) peut exécuter techniquement la transaction de paiement de façon anonyme ou non anonyme. L'invention concerne également un procédé d'enregistrement automatisé technique. Le transport d'articles achetés ou des services sont surveillés et contrôlés dans un système d'exécution techniquement automatisé (13). Les vendeurs (16) disposent de procédés techniques par le biais du système d'exécution (13), accélérant la confirmation de l'acheteur (17) au sujet de la réception conforme des articles. Ces procédés permettent des paiements monétaires anonymes et sûrs pour l'acheteur (17) et pour le vendeur (16), avec une grande simplicité d'utilisation, et d'assurer un partage équitable des risques entre les parties.
PCT/EP2009/059293 2008-07-21 2009-07-20 Système de paiement anonyme inviolable Ceased WO2010010062A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AT0039808U AT10546U3 (de) 2008-07-21 2008-07-21 Missbrauchfreies, anonymes zahlungssystem
ATGM398/2008 2008-07-21

Publications (2)

Publication Number Publication Date
WO2010010062A2 WO2010010062A2 (fr) 2010-01-28
WO2010010062A3 true WO2010010062A3 (fr) 2010-03-18

Family

ID=40427735

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2009/059293 Ceased WO2010010062A2 (fr) 2008-07-21 2009-07-20 Système de paiement anonyme inviolable

Country Status (2)

Country Link
AT (1) AT10546U3 (fr)
WO (1) WO2010010062A2 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11526885B2 (en) * 2015-03-04 2022-12-13 Trusona, Inc. Systems and methods for user identification using graphical barcode and payment card authentication read data

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (fr) * 1997-01-06 1998-07-16 Aerotel Ltd. Systeme informatise de transfert d'argent
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2001043092A1 (fr) * 1999-12-07 2001-06-14 Bruno Duval Procede et systeme de gestion d'une transaction securisee a travers un reseau de communication
WO2003015043A1 (fr) * 2001-08-03 2003-02-20 Haltfern Limited Systeme de securite de carte de credit
WO2005031667A1 (fr) * 2003-09-19 2005-04-07 Brunet Holding Ag Procede pour effectuer une transaction electronique
EP1533726A1 (fr) * 2003-11-16 2005-05-25 Wim De Graeve Méthode de paiement d'articles commandés en attente de livraison, dont le règlement financier est retardé jusqu' à l'occurance d'une condition de livraison prédéterminée
WO2005122453A1 (fr) * 2004-06-07 2005-12-22 Ebay Inc. Procede et systeme permettant de generer une image afin de surveiller une interaction utilisateur avec un ordinateur
WO2006018709A1 (fr) * 2004-08-20 2006-02-23 Gary John Kamp Ameliorations apportees a la securite des paiements effectues par carte bancaire

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (fr) * 1997-01-06 1998-07-16 Aerotel Ltd. Systeme informatise de transfert d'argent
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2001043092A1 (fr) * 1999-12-07 2001-06-14 Bruno Duval Procede et systeme de gestion d'une transaction securisee a travers un reseau de communication
WO2003015043A1 (fr) * 2001-08-03 2003-02-20 Haltfern Limited Systeme de securite de carte de credit
WO2005031667A1 (fr) * 2003-09-19 2005-04-07 Brunet Holding Ag Procede pour effectuer une transaction electronique
EP1533726A1 (fr) * 2003-11-16 2005-05-25 Wim De Graeve Méthode de paiement d'articles commandés en attente de livraison, dont le règlement financier est retardé jusqu' à l'occurance d'une condition de livraison prédéterminée
WO2005122453A1 (fr) * 2004-06-07 2005-12-22 Ebay Inc. Procede et systeme permettant de generer une image afin de surveiller une interaction utilisateur avec un ordinateur
WO2006018709A1 (fr) * 2004-08-20 2006-02-23 Gary John Kamp Ameliorations apportees a la securite des paiements effectues par carte bancaire

Also Published As

Publication number Publication date
AT10546U2 (de) 2009-05-15
WO2010010062A2 (fr) 2010-01-28
AT10546U3 (de) 2009-11-15

Similar Documents

Publication Publication Date Title
US10572880B2 (en) Integrated merchant purchase inquiry and dispute resolution system
WO2005114526A3 (fr) Procede et systeme de traitement de taxes associees a une transaction de biens et de services
CN112116340A (zh) 基于银行商户收单模式的分账方法及系统
US20150248657A1 (en) System and method for recovering refundable taxes
US20120166339A1 (en) Payment system, purchasing system, and method for performing a plurality of payment processes
WO2009022806A3 (fr) Procédé et système de gestion de marché en ligne avec option de livraison par enlèvement direct de la marchandise achetée
WO2009052258A1 (fr) Système de crédit transactionnel automatisé et procédé de réalisation de transactions électroniques
SG157329A1 (en) Method and system for efficiently providing electronic commerce through assessment request by selection of items and combination assessment response in on-line market
SG10201708440TA (en) Computer system and computer-implemented method for processing payment card transactions
CA3022499A1 (fr) Systeme de gestion de certificats electroniques de transactions
US20150073988A1 (en) Methods and Systems of Facilitating Payments on a Payment Card Network
Luo et al. Blockchain enabled credibility applications: extant issues, frameworks and cases
SG10201701688PA (en) Electronic system and method for processing merchandise purchase transactions
WO2014001995A3 (fr) Système de transaction automatisé
CN107909444A (zh) 一种白条金融服务系统及方法
WO2010010062A3 (fr) Système de paiement anonyme inviolable
WO2008098163A3 (fr) Procédé pour faciliter les ventes d'un réseau confidentiel
CN106779695A (zh) 用于电子商务平台的支付方法和设备
US20170185979A1 (en) Methods, systems, and computer readable media for providing electric alternatives to cash on delivery (cod) acceptance of tendered goods and/or services
US20140143128A1 (en) Unsecured to secured loan conversion in automobile finance
CN114462095A (zh) 一种提升大宗商品交易数据区块链存证可信度的方法、系统、设备及存储介质
US20200193468A1 (en) Blockchain for ads and coupons
CN107111840A (zh) 用于交易实体商品的有区别且可识别部分的系统和方法
KR101613902B1 (ko) 물품 거래 대행 전자상거래 방법
KR20170014220A (ko) 지급결제수단 추천 시스템

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 09780824

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 09780824

Country of ref document: EP

Kind code of ref document: A2