Initiation of an electronic payment transaction

• US 20020052842A1
• Filed: 08/23/2001
• Published: 05/02/2002
• Est. Priority Date: 08/25/2000
• Status: Abandoned Application

• Current Assignee: Telefonaktiebolaget LM Ericsson
• Original Assignee: Telefonaktiebolaget LM Ericsson
• Inventors: Schuba, Marko, Wrona, Konrad, Zavagli, Guido
• Application Number:
  US09/935,539
• Publication Number:
  US 20020052842A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes

Abstract

The invention relates to a method for initiating an electronic payment transaction. A filter FI receives a payment request 300 and modifies it by adding a transaction identification. It sends the modified payment request 301 to a transaction server WS, and a payment request information 302 containing the transaction identification to a communication terminal MS. The transaction server WS receives the modified payment request 301 and a payment initiation 303 containing an additional transaction identification from the communication terminal MS. The transaction server WS compares the transaction identifications of the modified payment request 301 and the payment initiation 303 and performs the payment transaction 304, if the transaction identifications correspond with each other. The invention moreover relates to a corresponding filter FI and a transaction server WS, to a method for initiating the filter FI and to a computer program for initiating an electronic payment transaction and for initiating the filter FI.

Claims

1. Method for initiating an electronic payment transaction comprising the following steps:

receiving a payment request (300) by a filter (FI) of a communication system,

modifying the payment request (300) by adding a transaction identification,

transmitting the modified payment request (301) to a transaction server (WS),

transmitting a payment request information (302) containing the transaction identification from the filter (FI) to a communication terminal (MS),

transmitting a payment initiation (303) containing an additional transaction identification from the communication terminal (MS) to the transaction server (WS),

comparing the transaction identifications of the modified payment request (301) and the payment initiation (303) by the transaction server (WS),

performing the payment transaction (304) by the transaction server (WS) if the transaction identifications correspond with each other.

2. Method according to claim 1, wherein the transaction identification is a random number.

3. Method according to claim 1 or 2, wherein the payment request (300) is destined for the communication terminal (MS) and is recognized by the filter (FI) by means of a first identifier and is intercepted.

4. Method according to claim 1, 2 or 3, wherein the filter (FI) receives and stores a filter initiation message (402) containing an address of a transaction server (WS), and wherein the filter (FI) sends the modified payment request (301) by means of the stored address.

5. Method according to claim 4, wherein the filter (FI) recognizes the filter initiation message (402) by means of a second identifier and intercepts it.

6. Method according to one of claims 1 to 5, wherein the transaction server (WS) sends the filter initiation message (402) upon receipt of a filter initiation request (401).

16. Computer program, which can be loaded into an internal memory of a digital computer unit, and which comprises software code parts being suited to perform the steps according to one of claims 1 to 8 if the computer program is executed on the computer unit.

7. Method for initiating a filter (FI) of a communication terminal, wherein a transaction server (WS) receives a filter initiation request (401), wherein the transaction server (WS) sends a filter initiation message (402) containing an address identifying the transaction server (WS), and wherein the filter (FI) receives the filter initiation message (402) and stores the address.

8. Method according to claim 7, wherein the filter (FI) recognizes the filter initiation message (402) by means of an identifier and intercepts it.

9. Filter for a communication system, comprising

an input interface for receiving a payment request (300),

a computer unit for the identification of the payment request (300) and for the modification by adding a transaction identification,

an output interface for sending the modified payment request (301) to a transaction server (WS) and for sending a payment request information (302) containing the transaction identification to a communication terminal (MS).

10. Filter according to claim 9 comprising a random sequence generator determining a random number as the transaction identification.

11. Filter according to claim 9 or 10, wherein the computer unit checks the presence of a first identifier in the payment request (300) and intercepts the payment request (300).

12. Filter according to claim 9, 10 or 11, which receives via the input interface and stores in a memory a filter initiation message (402), that contains an address of the transaction server (WS), and wherein the modified payment request (301) sends by means of the stored address.

13. Filter according to one of claims 9 to 12 recognizing the filter initiation message (402) by means of the second identifier and intercepting it.

15. Transaction server (WS) according to claim 14, sending a filter initiation message (402) upon receipt of a filter initiation request (401).

17. Computer program according to claim 16, wherein the computer program is stored on a computer-readable medium.

14. Transaction server, comprising

an input interface for receiving a modified payment request (301) containing a first transaction identification, and for receiving a payment initiation (303) containing a second transaction identification,

a computer unit for comparing the transaction identifications of the modified payment request (301) and the payment initiation (303), and

an output interface, via which the computer unit performs a payment transaction (304) if the transaction identifications correspond with each other.