METHOD AND SYSTEM FOR PERFORMING A COMMERCIAL TRANSACTION BY USING A SHORT MESSAGE SERVICE TERMINAL

• US 20130262318A1
• Filed: 05/31/2013
• Published: 10/03/2013
• Est. Priority Date: 03/25/2004
• Status: Active Grant

• Current Assignee: Edison Vault, LLC
• Original Assignee: International Business Machines Corporation
• Inventors: Bauchot, Frederic, Marmigere, Gerard, Picon, Joaquin
• Granted Patent: US 10,592,891 B2
• Time in Patent Office: Days
• US Class Current: 705/71
• 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 conducting a commercial transaction between a customer and a commercial server, the customer having a computer and an SMS terminal, said method comprising:

the customer using the computer to send an order for an article through a public network to a commercial server;

sending an SMS message, through a cellular network, from said commercial server to the SMS terminal, said SMS message including a redirect routing number, and an encryption key;

said customer adding to said SMS message information enabling identification of a customer payment means;

encrypting said information in the SMS message by using said encryption key;

redirecting the SMS message, with said encrypted information therein, through said cellular network, from said SMS terminal to a payment server by using said redirect routing number.

2. The method according to claim 1, wherein said encryption key is a public encryption key.

3. The method according to claim 2, wherein said encryption key is a public encryption key of the payment server.

4. The method according to claim 1, wherein the sending an SMS message includes setting in the SMS message a flag for indicting to the payment server that the SMS message redirected to the payment server includes information encrypted using said encryption key.

5. The method according to claim 1, wherein said redirect routing number includes an identification number of said payment server on said cellular network.

6. The method according to claim 1, further comprising said payment server authenticating said customer by using an identification number of said customer on said cellular network.

7. The method according to claim 1, wherein said sending includes said SMS message requesting said customer to input a customer card number into said SMS terminal, said card number being included in said SMS message redirected to said payment server.

8. The method according to claim 1, wherein said sending includes requesting said customer to input a PIN code into said SMS terminal, said PIN code being included in said SMS message redirected to said payment server to retrieve said customer card number.

9. The method according to claim 1, wherein said adding to said SMS message includes adding to said SMS message an order identifier, a customer name and an article price.

10. The method according to claim 1, further comprising said payment server authenticating said customer;

and after authenticating said customer, debiting a customer'"'"'s account and informing said commercial server that said commercial transaction has been completed successfully.

11. A system for conducting a commercial transaction between a customer and a commercial server, the customer having a computer and an SMS terminal, and wherein the customer uses the computer to send an order for an article through the public network to the commercial server, said system comprising:

a payment server for debiting a customer account with a price for said article price; and

means operating on the commercial server for sending an SMS message, through a cellular network, to the SMS terminal, said SMS message including a redirect routing number, and an encryption key, wherein the customer adds to said SMS message information enabling identification of a customer payment means and encrypts said information using said encryption key, and the SMS message is redirected, by using said redirect routing number, and with said encrypted identification information, from said SMS terminal to said payment server through said cellular network.

12. The system according to claim 11, wherein said encryption key is a public encryption key.

13. The system according to claim 12, wherein said public encryption key is a public encryption key of the payment server.

14. The system according to claim 13, wherein the sending an SMS message includes setting in the SMS message a flag for indicating to the payment serer that the SMS message redirected to the payment server includes encrypted information encrypted using said encryption key.

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

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

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

18. The system according to claim 11, wherein said redirect routing number includes an identification number of said payment server on said cellular network.

19. The system according to claim 11, wherein said payment server authenticates said customer by using an identification number of said customer on said cellular network.

20. The system according to claim 11, wherein the payment server decrypts the information received from the customer through the cellular network, authenticates the customer, and informs the commercial server that the transaction has been completed.