Method of payment by means of an electronic communication device

• US 7,490,062 B2
• Filed: 01/02/2001
• Issued: 02/10/2009
• Est. Priority Date: 12/30/1999
• Status: Expired due to Fees

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: International Business Machines Corporation
• Inventors: Hansmann, Uwe, Merk, Lothar, Henn, Horst, Stober, Thomas
• Primary Examiner(s): Kazimi; Hani
• Assistant Examiner(s): Akintola; Olabode
• Application Number:
  US09/752,959
• Publication Number:
  US 20010016835A1
• Time in Patent Office: 2,961 Days
• Field of Search: 705 35- 40
• US Class Current: 705/39
• 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 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]

Abstract

A method, system and program for payment in a purchasing action performed by means of a cellular standard communication between a customer using said cellular standard communication device and a provider offering goods and/or services, wherein the communication between said customer and said provider is performed via a voice channel of said communication device and transmissions of an electronic bill from said provider to said customer, of a money transfer order from said customer to a payment provider and of a receipt of payment from said payment provider to said customer are performed via a service channel of the cellular standard network.

Claims

1. A method of payment in a purchasing action performed by means of an electronic communication device between a customer using said electronic communication device and a provider offering goods or services, comprising the steps of:

building up a voice channel connection between the customer and said provider offering goods or services via a communication channel of said communication device, wherein a telecommunication provider authenticates customer identification data using a subscriber identification module (SIM) of said electronic communication device prior to establishing said connection;

subsequent to authentication, placing a purchase order utilizing said voice channel connection of said communication device;

upon receipt of said purchase order from the customer, issuance of an electronic bill by said provider offering goods or services and transmission of said electronic bill to said customer;

upon receipt and acknowledgement of said electronic bill by the customer, transmission of a money transfer order from the customer to a payment provider via the telecommunication provider, wherein the telecommunication provider re-authenticates the customer to ensure that the customer is authorized to give a money transfer order using the subscriber identification module (SIM) of said electronic communication device;

subsequent to acknowledgement of the electronic bill and the re-authentication, executing said money transfer order by said payment provider by debiting an account of the customer;

subsequent to executing said money transfer order, sending a receipt of payment, which includes an encrypted digital signature of the payment provider, from the payment provider to the customer via the telecommunications provider;

subsequent to sending the receipt of payment to the customer, confirming the encrypted digital signature of said receipt by a confirmation center, wherein said confirmation center is the telecommunications provider; and

subsequent to confirming the digital signature, forwarding said receipt of payment to said provider offering goods or services;

wherein said steps between the telecommunications provider and the payment provider are employed utilizing fully automated equipment; and

wherein a computer program product embodied on the subscriber identification module (SIM) of said electronic communication device performs automated steps comprising;

receiving the electronic bill transmitted via a first channel of said electronic communication device;

upon acknowledgement of said electronic bill by the customer using said electronic communication device, creating said money transfer order;

upon creation of said money transfer order, transmitting said money transfer order to the payment provider via a second channel of said electronic communication device; and

receiving said receipt of payment from said payment provider and forwarding said receipt of payment to said provider of goods and services.

2. The method of claim 1 wherein said authentication that the customer is authorized to give a money transfer order is performed by a telecommunication provider via a service channel of said communication device.

3. The method of claim 1 wherein said authentication that the customer is authorized to give a money transfer order is performed before transmission of said money transfer order to said payment provider.

4. The method of claim 1 wherein said authentication that the customer is authorized to give a money transfer order is performed after transmission of said money transfer order to said payment provider.

5. The method of claim 1 wherein transmission of said electronic bill, of said money transfer order and of said receipt of payment is performed via a service channel of said communication device.

6. The method of claim 1 wherein the connection between said customer and said provider offering goods or services is a internet connection.

7. The method according to claim 5 wherein the electronic communication device is a cellular standard communication device and further wherein said communication between said customer and said provider offering goods or services is performed via a voice channel of said communication device.

8. The method of claim 7 wherein an authentication of said customer is provided by a telecommunication provider in the cellular standard network via said service channel.

12. The method of claim 1 wherein said account is maintained by said telecommunications provider.

13. The method of claim 1 wherein said electronic communication device is a personal computer.

9. A computer program product comprising computer program code means adapted to perform the following steps when run on an electronic communication device:

building up a voice channel connection between a customer and a provider offering goods or services via a communication channel of said communication device, wherein a telecommunication provider authenticates customer identification data using a subscriber identification module (SIM) of said electronic communication device prior to establishing said connection;

subsequent to authentication, placing a purchase order utilizing said voice channel connection of said communication device;

upon receipt of said purchase order from the customer, issuance of an electronic bill by said provider offering goods or services and transmission of said electronic bill to said customer;

upon receipt and acknowledgement of said electronic bill by the customer, transmission of a money transfer order from the customer to a payment provider via the telecommunication provider, wherein the telecommunication provider reauthenticates the customer to ensure the customer is authorized to give a money transfer order using the subscriber identification module (SIM) of said electronic communication device;

subsequent to acknowledgement of the electronic bill and reauthentication, executing said money transfer order by said payment provider by debiting an account of the customer;

subsequent to executing said money transfer order, sending a receipt of payment, which includes an encrypted digital signature of the payment provider, from the payment provider to the customer via the telecommunications provider;

subsequent to sending the receipt of payment to the customer, confirming the encrypted digital signature of said receipt by a confirmation center, wherein said confirmation center is the telecommunications provider;

subsequent to confirming the digital signature, forwarding said receipt of payment to said provider offering goods or services

wherein said steps between the telecommunications provider and the payment provider are employed utilizing fully automated equipment; and

wherein said steps of receiving the electronic bill, acknowledgement of said electronic bill by a user, creation of the money transfer order and transmission of said money transfer order to the payment provider, and receiving the receipt of payment from said payment provider and forwarding said receipt of payment to said provider of goods and services, are performed by executing a computer program product embodied on the subscriber identification module (SIM) of said electronic communication device.

10. The computer program product of claim 9 embodied on a computer readable medium.

11. The computer program product of claim 10 wherein said communications device is a personal computer.

14. The method of claim 9 wherein said electronic communication device is a personal computer.