WO2010010062A3 - Untamperable anonymous payment system - Google Patents

Untamperable anonymous payment system Download PDF

Info

Publication number
WO2010010062A3
WO2010010062A3 PCT/EP2009/059293 EP2009059293W WO2010010062A3 WO 2010010062 A3 WO2010010062 A3 WO 2010010062A3 EP 2009059293 W EP2009059293 W EP 2009059293W WO 2010010062 A3 WO2010010062 A3 WO 2010010062A3
Authority
WO
WIPO (PCT)
Prior art keywords
buyer
accounts
access
anonymous
sellers
Prior art date
Application number
PCT/EP2009/059293
Other languages
German (de)
French (fr)
Other versions
WO2010010062A2 (en
Inventor
Andreas Traint
Michael Türk
Original Assignee
Andreas Traint
Tuerk Michael
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Andreas Traint, Tuerk Michael filed Critical Andreas Traint
Publication of WO2010010062A2 publication Critical patent/WO2010010062A2/en
Publication of WO2010010062A3 publication Critical patent/WO2010010062A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/04—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks
    • H04L63/0407—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden
    • H04L63/0414—Network architectures or network communication protocols for network security for providing a confidential data exchange among entities communicating through data packet networks wherein the identity of one or more communicating identities is hidden during transmission, i.e. party's identity is protected against eavesdropping, e.g. by using temporary identifiers, but is known to the other party or parties involved in the communication
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Abstract

The invention relates to a method for processing secure payment transactions in a data network (18) and in a telecommunications network (19) by way of a management system (10). The management system comprises at least one database server (11) with at least one database containing anonymous numbered accounts (14) and authenticatable buyer accounts (15). Simple and secure access processes (12) to access these accounts allow the buyer (17) to anonymously or non-anonymously process the payment transaction. The invention also relates to a technically automated registration method. According to the invention, the transport of purchased goods or services is monitored and controlled in a technically automated processing system (13). By way of the processing system (13), the sellers (16) have access to technical methods for accelerating confirmation of orderly receipt of the goods by the buyer (17). Said methods enable the anonymous and secure payment of monetary amounts for buyers (17) and for sellers (16) with a high degree of user-friendliness, and a balance of risk between the partners is secured.
PCT/EP2009/059293 2008-07-21 2009-07-20 Untamperable anonymous payment system WO2010010062A2 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
AT0039808U AT10546U3 (en) 2008-07-21 2008-07-21 ABUSE FREE, ANONYMOUS PAYMENT SYSTEM
ATGM398/2008 2008-07-21

Publications (2)

Publication Number Publication Date
WO2010010062A2 WO2010010062A2 (en) 2010-01-28
WO2010010062A3 true WO2010010062A3 (en) 2010-03-18

Family

ID=40427735

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/EP2009/059293 WO2010010062A2 (en) 2008-07-21 2009-07-20 Untamperable anonymous payment system

Country Status (2)

Country Link
AT (1) AT10546U3 (en)
WO (1) WO2010010062A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US11526885B2 (en) * 2015-03-04 2022-12-13 Trusona, Inc. Systems and methods for user identification using graphical barcode and payment card authentication read data

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (en) * 1997-01-06 1998-07-16 Aerotel Ltd. Computerized money transfer system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2001043092A1 (en) * 1999-12-07 2001-06-14 Bruno Duval Method and system for managing a secure transaction over a communications network
WO2003015043A1 (en) * 2001-08-03 2003-02-20 Haltfern Limited A credit card security system
WO2005031667A1 (en) * 2003-09-19 2005-04-07 Brunet Holding Ag Method for carrying out an electronic transaction
EP1533726A1 (en) * 2003-11-16 2005-05-25 Wim De Graeve Method of conducting payments for ordered goods that are to be shipped to the buyer, whereby financial settlement is delayed until a pre-determined delivery status occurs
WO2005122453A1 (en) * 2004-06-07 2005-12-22 Ebay Inc. Method and system to generate an image for monitoring user interaction with a computer
WO2006018709A1 (en) * 2004-08-20 2006-02-23 Gary John Kamp Improved security for bank card payments

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (en) * 1997-01-06 1998-07-16 Aerotel Ltd. Computerized money transfer system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
WO2001043092A1 (en) * 1999-12-07 2001-06-14 Bruno Duval Method and system for managing a secure transaction over a communications network
WO2003015043A1 (en) * 2001-08-03 2003-02-20 Haltfern Limited A credit card security system
WO2005031667A1 (en) * 2003-09-19 2005-04-07 Brunet Holding Ag Method for carrying out an electronic transaction
EP1533726A1 (en) * 2003-11-16 2005-05-25 Wim De Graeve Method of conducting payments for ordered goods that are to be shipped to the buyer, whereby financial settlement is delayed until a pre-determined delivery status occurs
WO2005122453A1 (en) * 2004-06-07 2005-12-22 Ebay Inc. Method and system to generate an image for monitoring user interaction with a computer
WO2006018709A1 (en) * 2004-08-20 2006-02-23 Gary John Kamp Improved security for bank card payments

Also Published As

Publication number Publication date
AT10546U3 (en) 2009-11-15
AT10546U2 (en) 2009-05-15
WO2010010062A2 (en) 2010-01-28

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