Method and system for performing a commercial transaction by using a short message service terminal

• US 20050215231A1
• Filed: 03/15/2005
• Published: 09/29/2005
• Est. Priority Date: 03/25/2004
• Status: Active Grant

• Current Assignee: Edison Vault, LLC
• Original Assignee: International Business Machines Corporation
• Inventors: Picon, Joaquin, Marmigere, Gerard, Bauchot, Frederic
• Granted Patent: US 8,468,093 B2
• Time in Patent Office: Days
• US Class Current: 455/405
• 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 20/3829 involving key management
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: H04W 4/14 Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

Abstract

Method for performing a commercial transaction wherein a customer having a computer connected to a public network such as the Internet network and a SMS terminal is able to receive and send SMS messages over a telephone network and can order an article by using the computer to a commercial server connected to the public network.

Claims

1. A method for performing a commercial transaction wherein a customer having a computer connected to a public network such as the Internet and a SMS terminal can receive and send SMS messages over a cellular network and can order an article by using said computer to a commercial server connected to said public network, said method comprising the following steps:

sending an SMS message from said commercial server to said SMS terminal through said cellular network, said SMS message including at least the address on said cellular network of a payment server including information about said article; and

said customer, after receiving said SMS message on said SMS terminal, redirecting to said payment server a modified SMS message and adding to said SMS message at least the information enabling identification of a customer payment means.

2. The method according to claim 1, wherein said SMS message includes an identification number (MSISDN) of said payment server on said cellular network.

3. The method according to claim 2, wherein said sending step includes said payment server authenticating said customer by using an identification number (MSISDN) of said customer on said cellular network.

4. The method according to claim 3, wherein said sending step includes said SMS message requesting said customer to input a customer card number into said SMS terminal, said card number being included in said modified SMS message sent to said payment server.

5. The method according to claim 4, wherein said sending step includes requesting said customer to input a PIN code into said SMS terminal, said PIN code being included in said modified SMS message sent to said payment server to retrieve said customer card number.

6. The method according to claim 2, wherein enabling identification of said customer payment means of said information includes encrypting said information by a key received in said SMS message.

7. The method according to claim 6, wherein said key is a public key of said payment server.

8. The method according to claim 7, wherein said redirecting step includes modifying said SMS message to include information such as order identifier, customer name and article price.

9. The method according to claim 8, wherein after authenticating said customer by said payment server, a customer'"'"'s account is debited and said payment server informs said commercial server that said transaction has been completed successfully and/or said customer that said customer'"'"'s account has been debited.

10. A system for performing a commercial transaction wherein a customer having a computer connected to a public network and a SMS terminal is able to receive and send SMS messages over a cellular network and can order an article by using said computer connected to a commercial server and to said public network;

said system comprising a payment server in charge of debiting a customer account with said article price and in that said commercial server includes means for sending to said SMS terminal an SMS message including at least the address on said cellular network of said payment server so that said computer can send a modified SMS message including information to enable said payment server to identify a customer payment means.

11. The system according to claim 10, wherein said customer payment means is a credit card.

12. The system according to claim 11, wherein said cellular network is a GSM network.

13. The system according to claim 11, wherein said SMS terminal is a mobile terminal.