Method for managing on-line commercial transactions

• US 10,614,466 B2
• Filed: 12/30/2010
• Issued: 04/07/2020
• Est. Priority Date: 12/30/2009
• Status: Active Grant

• Current Assignee: Telecom Italia S.p.A.
• Original Assignee: Telecom Italia S.p.A.
• Inventors: Palermo, Michele, Leggeri, Andrea
• Primary Examiner(s): Coppola, Jacob C.
• Application Number:
  US12/982,525
• Publication Number:
  US 20110289000A1
• Time in Patent Office: 3,386 Days
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/40 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
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions

Abstract

Method for managing on-line commercial transactions between a user and a seller of goods/services that interact through respective data processing systems communicating through a data network. The method includes: upon receipt, from a computer system of an institute issuing payment cards, of a request of transaction with debit on the payment card of the user coming from the seller of goods/services, having the computer system of the institute issuing the payment cards preliminarily requesting a confirmation of the transaction to the buyer through a mobile telephony terminal of the buyer, and, in case the confirmation of the transaction is received, having the computer system of the institute issuing the payment cards processing the transaction, whereas in case the confirmation of the transaction is denied, not processing the transaction and informing the seller. Both or one of the request of confirmation of the transaction or the confirmation of the transaction are sent through communication over a data channel with the mobile telephony terminal of the buyer.

Claims

1. A method comprising:

receiving, at a computer system of an institute issuing payment cards and from a seller of goods or services, a request for a transaction, wherein the request for the transaction identifies a payment card of a user associated with a mobile telephony terminal, and wherein the request for the transaction comprises a request to verify that the user associated with the mobile telephony terminal is registered for a data security service;

in response to receiving, by the computer system of the institute issuing payment cards, the request for the transaction, determining, by the computer system of the institute issuing payment cards and based on a database of registered user profiles, the user associated with the mobile telephony terminal is registered for the data security service;

in response to determining, by the computer system of the institute issuing payment cards, that the user associated with the mobile telephony terminal is registered for the data security service, transmitting, by the computer system of the institute issuing payment cards and to a computer system of a mobile telephony network, a request for the computer system of the mobile telephony network to confirm the transaction;

in response to the request to confirm the transaction transmitted by the computer system of the institute issuing payment cards, determining, by the computer system of the mobile telephony network, based on a second database of registered user profiles, and based on a status of the mobile telephony terminal, the user associated with the mobile telephony terminal is registered for the data security service;

in response to determining, by the computer system of the mobile telephony network, that the user associated with the mobile telephony terminal is registered for the data security service, transmitting, by the computer system of the mobile telephony network and to the mobile telephony terminal associated with the user, an instruction for the mobile telephony terminal to activate software for requesting confirmation of the transaction;

receiving, at the computer system of the mobile telephony network and from the mobile telephony terminal, a response indicating confirmation of the transaction; and

in response to receiving, from the mobile telephony terminal, the response indicating confirmation of the transaction, granting, by the computer system of the institute issuing payment cards, the requested transaction,

wherein one or more of the instruction to the mobile telephony terminal requesting confirmation of the transaction or the response indicating confirmation of the transaction is sent over a data channel connecting the computer system of the mobile telephony network to the mobile telephony terminal.

2. The method of claim 1, further comprising:

transmitting, by the user and to a data processing system of the seller, one or more of information identifying the payment card or a number of the mobile telephony terminal.

3. The method of claim 1, further comprising:

in response to receiving the response indicating confirmation of the transaction, forwarding the confirmation of the transaction to the computer system of the institute issuing payment cards.

4. The method of claim 1, wherein the data channel connecting the computer system of the mobile telephony network to the mobile telephony terminal uses one or more of the following:

an SMS message, a WAP protocol, an HTTP protocol, or an HTTPS protocol.

5. The method of claim 4, wherein the instruction to the mobile telephony terminal requesting confirmation of the transaction comprises a push mode message.

6. The method of claim 1, wherein the instruction to the mobile telephony terminal requesting confirmation of the transaction comprises a first short message service (SMS) message, and wherein the response from the mobile telephony terminal indicating confirmation of the transaction comprises a second SMS message.

7. The method of claim 1, wherein the software is configured to be installed on a Subscriber Identity Module (SIM) of the mobile telephony terminal associated with the user, the method further comprising:

transmitting, by the computer system of the mobile telephony network and to the mobile telephony terminal, the software, wherein the software is configured to enable the mobile telephony terminal to display, on a display screen of the mobile telephony terminal, a request to confirm the transaction and to transmit the response indicating confirmation of the transaction.

8. A system comprising:

a computing device of a mobile telephony network; and

a computing device of an institute issuing payment cards configured to;

receive, from a seller of goods or services, a request for a transaction, wherein the request for the transaction identifies a payment card of a user associated with a mobile telephony terminal, and wherein the request for the transaction comprises a request to verify that the user associated with the mobile telephony terminal is registered for a data security service;

in response to receiving the request for the transaction, determine, based on a database of registered user profiles, whether the user associated with the mobile telephony terminal is registered for the data security service; and

in response to determining that the user associated with the mobile telephony terminal is registered for the data security service, transmit, to the computing device of the mobile telephone network, a request for the computing device of the mobile telephony network to confirm the transaction,

wherein the computing device of the mobile telephony network is configured to;

in response to the request to confirm the transaction transmitted by the computing device of the institute issuing payment cards, determine, based on a second database of registered user profiles and based on a status of the mobile telephony terminal, whether the user associated with the mobile telephony terminal is registered for the data security service;

in response to determining that the user associated with the mobile telephony terminal is registered for the data security service, transmit, to the mobile telephony terminal associated with the user, an instruction for the mobile telephony terminal to activate software for requesting confirmation of the transaction;

receive, from the mobile telephony terminal, a response indicating confirmation of the transaction; and

in response to receiving, from the mobile telephony terminal, the response indicating confirmation of the transaction, transmit, to the computing device of the institute issuing payment cards, a message indicating that the requested transaction has been confirmed,

wherein one or more of the instruction to the mobile telephony terminal requesting confirmation of the transaction or the response indicating confirmation of the transaction is sent over a data channel connecting the computing device of the mobile telephony network to the mobile telephony terminal.

9. The system of claim 8, wherein the computing device of the institute issuing payment cards is further configured to:

transmit, to the computing device of the mobile telephony network, one or more of information identifying the payment card or a number of the mobile telephony terminal.

10. The system of claim 8, wherein the computing device of the institute issuing payment cards is configured to:

grant the requested transaction in response to the computing device of the institute issuing payment cards receiving, from the computing device of the mobile telephony network, the message indicating that the requested transaction has been confirmed.

11. The system of claim 8, wherein the data channel connecting the computing device of the mobile telephony network to the mobile telephony terminal uses one or more of the following:

an SMS message, a WAP protocol, an HTTP protocol, or an HTTPS protocol.

12. The system of claim 11, wherein the instruction to the mobile telephony terminal requesting confirmation of the transaction comprises a push mode message.

13. The system of claim 8, wherein the instruction to the mobile telephony terminal requesting confirmation of the transaction comprises a first short message service (SMS) message, and wherein the response from the mobile telephony terminal indicating confirmation of the transaction comprises a second SMS message.

14. The system of claim 8, wherein the software is configured to be installed on a Subscriber Identity Module (SIM) of the mobile telephony terminal associated with the user, wherein the computing device of the mobile telephony network is further configured to:

transmit, to the mobile telephony terminal, the software, wherein the software is configured to enable the mobile telephony terminal to display, on a display screen of the mobile telephony terminal, a request to confirm the transaction and to transmit the response indicating confirmation of the transaction.