System and method in electronic commerce from hand-held computer units
First Claim
1. A system for electronic commerce in a computer network (3), comprising a server unit (CH) which has a first interface with a plurality of first computers (SP), from which users are able to order services using hand-held computer units (1), and a second interface with a plurality of second computers (PP) which handle accounts that are associated with the users of the hand-held computer units, wherein the server unit (CH) has access to a database (20) that for each user stores a user identifier, which indicates the identity of the user, and a computer network address associated with the user identity, the computer network address relating to one of said plurality of second computers (PP) that handles an account belonging to the user, said system further comprising a registration device (RS) which is linked to the database (20) and which allows an association to be made in the database (20) between any computer network address and a given user identifier.
3 Assignments
0 Petitions
Accused Products
Abstract
A system for electronic commerce in a computer network (3) comprises a server unit (CH) which has a first interface with a plurality of first computers (SP), from which users are able to order services using hand-held computer units (1), and a second interface with a plurality of second computers (PP) which handle accounts that are associated with the users of the hand-held computer units. The server unit (CH) has access to a database (20) that for each user stores a user identifier, which indicates the identity of the user, and a computer network address associated with the user identity, the computer network address relating to one of the second computers (PP) that handles an account belonging to the user. The system also comprises a registration unit (RS) which is linked to the database (20) and which allows an association to be made in the database (20) between any computer network address and a given user identifier. Using this arrangement, a service provider that has one of the first computers (SP) is able to accept payment from any payment provider that has one of the second computers (PP), without the service provider needing to have any relationship with the payment provider in advance. A method for enabling financial transactions in such a computer network is also described.
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Citations
22 Claims
- 1. A system for electronic commerce in a computer network (3), comprising a server unit (CH) which has a first interface with a plurality of first computers (SP), from which users are able to order services using hand-held computer units (1), and a second interface with a plurality of second computers (PP) which handle accounts that are associated with the users of the hand-held computer units, wherein the server unit (CH) has access to a database (20) that for each user stores a user identifier, which indicates the identity of the user, and a computer network address associated with the user identity, the computer network address relating to one of said plurality of second computers (PP) that handles an account belonging to the user, said system further comprising a registration device (RS) which is linked to the database (20) and which allows an association to be made in the database (20) between any computer network address and a given user identifier.
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9. A method for enabling financial transactions in a computer network, comprising:
- establishing registration agreements (A) between a transaction enabler (CHe) and users of hand-held computer units (1) in the network;
establishing first transaction agreements (B) between the transaction enabler (CHe) and service providers (SPe) in the network; and
establishing second transaction agreements (C) between the transaction enabler (CHe) and payment providers (PPe) in the network;
wherein the users, when ordering services with the service providers (SPe), are enabled to select a transaction enabler payment method, in which the transaction enabler (CHe) controls the routing of debit signals and funds between the service providers (SPe) and the payment providers (PPe), based on the registration agreements (A) and the first and second transaction agreements (B, C). - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22)
- establishing registration agreements (A) between a transaction enabler (CHe) and users of hand-held computer units (1) in the network;
Specification