WO2003105031A1 - Procede et systeme de transfert de paiements entre un acheteur et un vendeur en echange de biens ou de services - Google Patents

Procede et systeme de transfert de paiements entre un acheteur et un vendeur en echange de biens ou de services Download PDF

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Publication number
WO2003105031A1
WO2003105031A1 PCT/AU2003/000720 AU0300720W WO03105031A1 WO 2003105031 A1 WO2003105031 A1 WO 2003105031A1 AU 0300720 W AU0300720 W AU 0300720W WO 03105031 A1 WO03105031 A1 WO 03105031A1
Authority
WO
WIPO (PCT)
Prior art keywords
buyer
services
goods
seller
telephone number
Prior art date
Application number
PCT/AU2003/000720
Other languages
English (en)
Inventor
Hans Pandeya
Original Assignee
Interline Networks Pty Ltd
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
Priority claimed from AUPS2850A external-priority patent/AUPS285002A0/en
Priority claimed from AUPS3300A external-priority patent/AUPS330002A0/en
Application filed by Interline Networks Pty Ltd filed Critical Interline Networks Pty Ltd
Priority to AU2003229144A priority Critical patent/AU2003229144A1/en
Publication of WO2003105031A1 publication Critical patent/WO2003105031A1/fr

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/56—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for VoIP communications
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/20—Technology dependant metering
    • H04M2215/202—VoIP; Packet switched telephony

Definitions

  • TITLE A METHOD AND SYSTEM OF TRANSFERRING PAYMENT
  • the present invention relates to a method and system of transferring payment and in particular to a method and system of transferring payment from a buyer to a seller in exchange for goods or services.
  • the invention has been developed primarily for facilitating internet based sales of goods and/or services and will be described hereinafter with reference to that application. However, the invention is not limited to that particular field of use and is suitable for facilitating the sale of goods and/or services through other trade channels.
  • Payment for goods and/or services is routinely obtained from a buyer by them handing over cash to a seller. Sometimes, the buyer does not have sufficient cash to hand, or is located remotely from the seller so cash cannot be handed over. More recently, electronic transactions have enabled payment to be made by using, for instance, a credit card or other bankcard. Such transactions make use of computer systems operated by banking organisations. It is necessary for the buyer to have an existing financial account to make these transactions and transaction fees usually apply.
  • a method of transferring payment from a buyer to a seller in exchange for goods or services including the steps of the buyer placing a telephone call to a particular telephone number; determining the sale price of the goods or services; debiting the telephony account of the buyer by an amount equal to or greater than the sale price; crediting a financial account of the seller with the sale price; allowing the buyer to access the goods or services.
  • the buyer does not need to have established a financial banking account. Payment is deducted from their existing telephony account.
  • the method further includes the steps of providing the buyer with a password; the buyer presents the password to the seller; the presented password is subjected to a validation check; and the buyer is given access to the goods or services only if the validation check is successful.
  • This provides a convenient mechanism for the buyer to access the goods or services some time after they have made payment.
  • the buyer places the telephone call using an electronic messaging enabled telephony device; and the password is provided to the buyer in an electronic message sent to the telephony device. In this way, the buyer does not have to write down their password.
  • the telephony device is a mobile telephone and the electronic message is an SMS message.
  • the telephone number identifying the buyer's telephony device is obtained from caller line identification information. This eliminates the need for the buyer to provide their telephone number manually and reduces the length of the telephone call needed.
  • the buyer presents the password at a user interface displayed by a computing device.
  • the services provided to the buyer are online services available over the internet.
  • the particular telephone number is a premium rate telephone number.
  • a system for transferring payment from a buyer to a seller in exchange for goods or services including receiving means for receiving a telephone call from a buyer; determining means for determining the sale price of the goods or services; debiting means for charging the telephony account of the buyer by an amount equal to or greater than the sale price; crediting means for crediting a financial account of the seller with the sale price; and allowing means for allowing the buyer to access the goods or services.
  • the system further includes providing means for providing the buyer with a password; presenting means enabling the buyer to present the password to the seller; validation means for subjecting the presented password to a validation check; and the allowing means is configured to allow the buyer to access the goods or services only if the validation check is successful.
  • the providing means is arranged to provide the password to the buyer in an electronic message sent to the telephony device.
  • the electronic message is an SMS message.
  • the system further includes obtaining means for obtaining the telephone number identifying the buyer's telephony device from caller line identification information, Preferably, the system further includes a user interface displayed by a computing device which is arranged to facilitate presentation of the password by the buyer.
  • the particular telephone number is a premium rate telephone number.
  • a computer program arranged to instruct a computer system to operate to implement a system in accordance with the second aspect of the invention.
  • a computer readable medium carrying a computer program according to the third aspect of the invention.
  • a method of transferring payment from a buyer to a seller in exchange for the seller supplying the buyer with goods and/or services including: nominating the goods and/or services; determining a sale price for the goods and/or services; being responsive to the buyer placing a telephone call to a particular telephone number for debiting the telephony account of the buyer by an amount equal to or greater than the sale price; and crediting a financial account of the seller with the sale price.
  • the seller hosts a web page containing data indicative of the goods and/or services and the buyer accesses the web page to nominate the goods and/or services. More preferably, the buyer uses a telephone having a predetermined telephone number to place the telephone call and, when accessing the web page, provides the predetermined telephone number to the seller. Even more preferably, the method includes the step of being responsive to the crediting of the financial account of the seller for supplying the goods and/or services to the buyer.
  • a system of transferring payment from a buyer to a seller in exchange for the seller supplying the buyer with goods and/or services including: a buyer interface for allowing with buyer to nominate the goods and/or services and for determining a sale price for the goods and/or services; a telephone interface that is responsive to the buyer placing a telephone call to a particular telephone number for debiting the telephony account of the buyer by an amount equal to or greater than the sale price; and an account interface for crediting a financial account of the seller with the sale price.
  • the buyer interface is a web page hosted by the seller and which contains data indicative of the goods and/or services, whereby the buyer accesses the web page to nominate the goods and/or services. More preferably, the buyer uses a telephone having a predetermined telephone number to place the telephone call and, when accessing the web page, provides the predetermined telephone number to the seller. Even more preferably, the system is responsive to the account interface crediting of the financial account of the seller for supplying the goods and/or services to the buyer.
  • mobile telephone or “mobile phone” encompass a cellular telephone and other handheld or portable telephone transmitters, regardless of the transmission protocol being used or whether the telephone is incorporated into another device such as a PDA, laptop, or the like.
  • Figure 1 is a schematic view of a system for obtaining payment from a buyer in exchange for goods or services according to an embodiment of the present invention
  • Figure 2 is a flow diagram illustrating a method of obtaining payment from a buyer in exchange for goods or services according to the present invention.
  • FIG. 1 there is illustrated a system for obtaining payment from a buyer in exchange for goods and/or services.
  • the system includes receiving means for receiving a telephone call from a buyer in the form of voice over IP (VOP) gateway 12.
  • Determining means for determining the sale price, debiting means for debiting the telephony account of the buyer and crediting means for crediting a financial account of the seller are all embodied in software in server 14.
  • a buyer 16 has a computing device in the form of personal computer 18 which is connected to the internet 20.
  • the buyer has a mobile phone 22 which is used to dial in to mobile phone service centre 24 via base station antenna 26.
  • the mobile phone service centre 26 can connect a telephone call through to VOIP gateway 12.
  • the buyer is desirous of accessing online services hosted on website server 28.
  • the provider of these services makes a charge for accessing these services. It could, for instance, be a website providing financial information.
  • the buyer 16 wishes to view a website on personal computer 18 at step 40.
  • Information is displayed at the title page of the website infonning the buyer that if they wish to enter the site they must provide payment.
  • the buyer is informed that payment can be made by dialling a particular premium rate telephone number with a mobile telephone and this number is provided to the buyer.
  • the buyer dials the premium rate telephone number.
  • the call is routed to VOIP gateway 12 which obtains the telephone number of the buyer from caller line identification information. Details of the received call, including the number dialled by the buyer and the telephone number of the buyer, are passed to server 14 which is in communication with VOIP gateway via TCP/IP protocol.
  • the telephone number dialled by the user is of the type known as a "premium rate" telephone number.
  • these numbers attract charges different from the regular charges levied by the telephone service provider.
  • Such numbers may attract a one off charge or be charged on a time basis.
  • the one off charge pricing scheme is best suited to operating this method and system.
  • computer server 14 determines the sale price for accessing the website. To do this, it looks up a table of telephone numbers. The particular telephone number which the buyer was instructed to ring attracts a particular charge from their telephony service provider and corresponds with a particular sale price.
  • the telephony account of the buyer is then debited by that amount and a financial account of the seller is credited with this amount.
  • the telephony account may be credited with an amount in excess of the amount transferred to the seller. This means that the telephony service provider earns a commission on the transaction.
  • Server 14 creates an SMS message containing a password.
  • the SMS message is sent at step 46 to the telephone number of the buyer that was obtained from caller identification information.
  • the password contained in the SMS message can be obtained in either of two ways.
  • the operator of the website server 28 may provide the operator of server 14 with a group of passwords. Alternatively, server 14 may create a password and either forward it to website server 28 or store it locally.
  • the buyer After receiving the password, the buyer presents the password at the website to which they desire access at step 48.
  • the presented password is sent to server 14 for validation.
  • Server 14 holds a list of valid passwords. These are passwords that have been previously provided by server and have not yet expired.
  • the presented password is compared to the valid passwords. If the presented password matches a valid password then the validation check is successful and the server sends an instruction to allow the buyer access to the website at step 52. If the validation check is not successful then server 14 sends an instruction to this effect and allows the buyer to try to validate their password again.
  • a cookie is set on the buyers personal computer.
  • the website 28 can only be accessed if this cookie is present.
  • the step of sending the password to the buyer may be carried out by instructions in software associated with the website 28 which the buyer is desirous to view.
  • the seller may pre-arrange a group of passwords with the operator of server 14 and perform their own validation check.
  • a computer system of the seller may carry out other functions that are described above as being performed by server 14.
  • the buyer makes a telephone call to the particular telephone number using a traditional telephone with no electronic messaging function.
  • the buyer is provided with a password by listening to an
  • IVR Interactive Voice Response
  • a further alternative embodiment of the invention is useful where the goods or services are to be delivered to the buyer by email.
  • the user selects the goods or services they wish to receive, which may for instance be a financial report, by clicking on a link displayed on a web site.
  • the user is then presented with information indicating the price of the item.
  • the user is prompted to enter the email address to which they want the goods or services to be delivered.
  • the user is presented with a password and a telephone number. They are instructed to dial the telephone number and enter the password by following prompts issued by an IVR system.
  • the telephone number they are given is a premium rate telephone number.
  • the number they are given corresponds to a cost price of the goods or services they wish to obtain.
  • the IVR system looks up the password provided by the buyer in a database to retrieve the corresponding email address. An email message is then produced containing the financial report and addressed to the email address that was provided by the buyer.
  • the financial account of the seller is credited in the same manner as in the previously described embodiment.
  • the invention has application to direct transfer of files between networked computers, including computers connected to the internet.
  • the buyer upon nominating the goods and/or services on the website, provides to the buyer, via that same website, the unique pre-assigned telephone number of the telephone that is to be used to dial the premium rate number supplied by the seller. This telephone number is entered in a field on the web page by the buyer and is delivered to the seller. Once that telephone is used to dial the premium rate number the VOIP obtains the pre-assigned number via CLID, and the relevant financial transactions are completed. A voice message is delivered to the buyer, while on that call, to confirm that the payments have or have not been authorized. Once authorization has been obtained, the buyer is able to access the website and once again enter the telephone number, albeit in a different field, such that they are served with the information or other services for which payment has been made.
  • the invention may be used to transfer payment in exchange for other services and may be used in respect of goods. Where goods are concerned, the buyer will need to provide a delivery address.

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Telephonic Communication Services (AREA)

Abstract

L'invention concerne un système permettant d'obtenir un paiement provenant d'un acheteur en échange de biens et/ou de services. Le système comprend un dispositif de réception servant à recevoir un appel téléphonique provenant d'un acheteur sous forme de passerelle voix sur IP (VoIP) (12). Le système comprend également un dispositif de détermination servant à déterminer le prix de vente, un dispositif de débit servant à débiter le compte téléphonique d'un acheteur et un dispositif de crédit servant à créditer un compte financier du vendeur, intégrés dans un logiciel dans un serveur (14).
PCT/AU2003/000720 2002-06-07 2003-06-10 Procede et systeme de transfert de paiements entre un acheteur et un vendeur en echange de biens ou de services WO2003105031A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003229144A AU2003229144A1 (en) 2002-06-07 2003-06-10 A method and system of transferring payment from a buyer to a seller in exchange for goods or services

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
AUPS2850 2002-06-07
AUPS2850A AUPS285002A0 (en) 2002-06-07 2002-06-07 A method of charging a user for access to an online service
AUPS3300A AUPS330002A0 (en) 2002-07-01 2002-07-01 A method and system for obtaining payment from a buyer in exchange for goods or services
AUPS3300 2002-07-01

Publications (1)

Publication Number Publication Date
WO2003105031A1 true WO2003105031A1 (fr) 2003-12-18

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ID=29737416

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/AU2003/000720 WO2003105031A1 (fr) 2002-06-07 2003-06-10 Procede et systeme de transfert de paiements entre un acheteur et un vendeur en echange de biens ou de services

Country Status (1)

Country Link
WO (1) WO2003105031A1 (fr)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1874021A1 (fr) * 2006-06-30 2008-01-02 Deutsche Telekom AG Procédé de commande de biens en appellant des numéros de téléphone prédéterminés, détéction automatique d'adresse de livraison et facturation avec la facture de téléphone
WO2009146749A1 (fr) 2008-06-05 2009-12-10 Telefonaktiebolaget Lm Ericsson (Publ) Facturation de services dans un réseau de communication

Citations (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996037848A1 (fr) * 1995-05-24 1996-11-28 Walker Asset Management Limited Partnership Systeme de facturation et de recouvrement par le numero 900 et procede de services informatiques en ligne
US5729594A (en) * 1996-06-07 1998-03-17 Klingman; Edwin E. On-line secured financial transaction system through electronic media
US5864610A (en) * 1995-09-22 1999-01-26 At&T Corp. Interactive and information data services telephone billing system
EP0926611A2 (fr) * 1997-12-23 1999-06-30 AT&T Corp. Procédé de validation de transactions
CA2352216A1 (fr) * 1998-11-27 2000-06-08 Thomas Heering Procede de facturation de services fournis par l'internet
GB2352928A (en) * 1999-08-04 2001-02-07 Saj Muzaffar Premium rate telephone number payment system
WO2001030021A1 (fr) * 1999-10-19 2001-04-26 Mci Worldcom, Inc. Procede et systeme d'utilisation d'un service ou l'appelant est facture dans le but d'offrir un acces unique et de courte duree a des services internet a abonnement
US20010001147A1 (en) * 1998-04-22 2001-05-10 Echarge Corporation Method and apparatus for ordering goods, services and content over an internetwork
WO2001095591A1 (fr) * 2000-06-06 2001-12-13 Telefonaktiebolaget Lm Ericsson (Publ) Acces a des services et a des produits via l'internet
US20020054672A1 (en) * 2000-11-06 2002-05-09 Guillaume De Laubadere Method of paying for transactions performed for example on internet
US20020129282A1 (en) * 2001-03-09 2002-09-12 Hopkins Samuel A. Internet services

Patent Citations (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996037848A1 (fr) * 1995-05-24 1996-11-28 Walker Asset Management Limited Partnership Systeme de facturation et de recouvrement par le numero 900 et procede de services informatiques en ligne
US5864610A (en) * 1995-09-22 1999-01-26 At&T Corp. Interactive and information data services telephone billing system
US5729594A (en) * 1996-06-07 1998-03-17 Klingman; Edwin E. On-line secured financial transaction system through electronic media
EP0926611A2 (fr) * 1997-12-23 1999-06-30 AT&T Corp. Procédé de validation de transactions
US20010001147A1 (en) * 1998-04-22 2001-05-10 Echarge Corporation Method and apparatus for ordering goods, services and content over an internetwork
CA2352216A1 (fr) * 1998-11-27 2000-06-08 Thomas Heering Procede de facturation de services fournis par l'internet
GB2352928A (en) * 1999-08-04 2001-02-07 Saj Muzaffar Premium rate telephone number payment system
WO2001030021A1 (fr) * 1999-10-19 2001-04-26 Mci Worldcom, Inc. Procede et systeme d'utilisation d'un service ou l'appelant est facture dans le but d'offrir un acces unique et de courte duree a des services internet a abonnement
WO2001095591A1 (fr) * 2000-06-06 2001-12-13 Telefonaktiebolaget Lm Ericsson (Publ) Acces a des services et a des produits via l'internet
US20020054672A1 (en) * 2000-11-06 2002-05-09 Guillaume De Laubadere Method of paying for transactions performed for example on internet
US20020129282A1 (en) * 2001-03-09 2002-09-12 Hopkins Samuel A. Internet services

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1874021A1 (fr) * 2006-06-30 2008-01-02 Deutsche Telekom AG Procédé de commande de biens en appellant des numéros de téléphone prédéterminés, détéction automatique d'adresse de livraison et facturation avec la facture de téléphone
WO2009146749A1 (fr) 2008-06-05 2009-12-10 Telefonaktiebolaget Lm Ericsson (Publ) Facturation de services dans un réseau de communication
CN102057621A (zh) * 2008-06-05 2011-05-11 爱立信电话股份有限公司 在通信网络中对服务计费
CN102057621B (zh) * 2008-06-05 2013-11-06 爱立信电话股份有限公司 在通信网络中对服务计费

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