Micropayment system

• US 20040139002A1
• Filed: 11/05/2003
• Published: 07/15/2004
• Est. Priority Date: 05/31/2001
• Status: Abandoned Application

• Current Assignee: International Business Machines Corporation
• Original Assignee: International Business Machines Corporation
• Inventors: Smolny, Martin, Schaeck, Thomas, Henn, Horst
• Application Number:
  US10/476,946
• Publication Number:
  US 20040139002A1
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/29 characterised by micropayments
• CPC Class Codes: G06Q 20/403 Solvency checks

Abstract

A network-based method for performing cashless payments between a customer and a vendor providing services in the network is provided, whereby an amount from a customer'"'"'s account at a trusted third party is debited by the vendor for each access of the customer to the vendor'"'"'s services provided on the network. The method comprises the step of assigning a limited maximum amount to the customer'"'"'s account and allowing the vendor to debit the customer'"'"'s account at the trusted third party for each access to the vendor'"'"'s network service until the limited maximum amount is reached by performing a single authorization step for the assigned limited maximum amount before the first access to the vendor'"'"'s network services.

Claims

1. A network-based method for performing cashless payments between a customer and a vendor providing services in said network, whereby an amount from a customer'"'"'s account at a trusted third party is debited by said vendor for each access of said customer to said vendor'"'"'s services provided on said network, characterized in that

said method comprises the step of assigning a limited maximum amount to said customer'"'"'s account and allowing said vendor to debit said customer'"'"'s account at said trusted third party for each access to said vendor'"'"'s network service until said limited maximum amount is reached by performing a single authorization step for said assigned limited maximum amount before the first access to said vendor'"'"'s network services.

2. A method according to claim 1, characterized in that said cashless payments are micropayments.

3. A method according to claim 1 or 2, characterized in that payment information is exchanged only between said vendor and said trusted third party.

4. A method according to any one of claims 1 to 3, characterized in that said customer and said vendor communicate anonymously.

5. A method according to any one of claims 1 to 4, characterized in that said customer is a software that automatically requests said network services.

6. A method according to any one of claims 1 to 5, characterized in that said trusted third party is a billing system.

7. A method according to any one of the preceding claims, characterized in that said authorization step includes an authorization cycle mechanism.

8. A method according to claim 7, characterized in that said authorization cycle mechanism can be used with mobile phones, personal digital assistants, and the like.

9. A method according to claim 7, characterized in that said access to said vendor'"'"'s network service is done by a web browser using HTML.

10. A method according to any one of the preceding claims, characterized in that said customer and said vendor communicate through a billing authorization protocol.

11. A method according to any one of the preceding claims, characterized in that the level of said limited maximum amount depends on the respective vendor.

13. A method according to any one of the preceding claims, characterized in that said trusted third party registers additional optional information pertaining to said limited maximum amount.

14. A method according to claim 13, characterized in that said additional optional information is a time limit or service type restrictions.

15. A method according to any one of the preceding claims, characterized in that a new authorization has to be performed in case the limited maximum amount is exceeded.

16. A method according to any one of the preceding claims, characterized in that said method additionally comprises the step of monitoring the details of each payment.

17. A method according to any one of the preceding claims, characterized in that said authorization step is performed by identifying said user to said vendor.

18. A method according to claim 17, characterized in that identifying is performed by means of a smart card, a user ID and a password, a private key authenticated message, a biometric authentication method or the like.

19. A method according to any one of the preceding claims, characterized in that said limited maximum amount is checked before performing an access to said vendor'"'"'s services oprovided n said network.

20. A method according to claim 19, characterized in that said limited maximum amount is checked by said vendor.

21. A method according to claim 19, characterized in that said limited maximum amount is checked by said trusted third party.

22. A computer program product stored on a computer usable medium, comprising computer readable program means for causing a computer to perform a method according to any one of claims 1 to 21 when said program is executed on seid computer.

24. A system according to claim 22, additionally comprising

e) means for displaying a remaining account limit for a respective vendor;

and

f) means for setting optional instructions in addition to said limit.

12. A method according to any one of the proceeding claims, characterized in that said trusted third party registers said limited maximum amount.

23. A system for performing cashless payments between a customer and a vendor providing services in said network, whereby an amount from a customer'"'"'s account at a trusted third party is debitable by said vendor for each access of said customer to said vendor'"'"'s services provided on said network, said system comprising

a) authentication means for authenticating said customer;

b) limit setting and limit checking device means setting and checking a limited maximum amount to said customer'"'"'s account;

c) charging means for allowing said vendor to send billing requests; and

d) means for accessing said trusted third party by software.

25. A system according to claim 23, characterized in that said means for displaying include a software program.