DE69628022T2 - Verfahren zur faktorierung über das internet - Google Patents
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- G06Q20/00—Payment architectures, schemes or protocols
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Description
- HINTERGRUND DER ERFINDUNG
- Die vorliegende Erfindung betrifft ein Verfahren zum Fakturieren von Handelsgeschäften über das Internet. Das Internet ist eine riesige weltweite Verbindung von Computern und Computernetzwerken. Das Internet besteht nicht aus einer bestimmten Hardware oder Gruppe von verbundenen Computern, sondern es besteht aus denjenigen Elementen, die zu einem bestimmten Zeitpunkt zufälligerweise miteinander verbunden sind. Das Internet hat bestimmte, die Signalübertragung betreffende Protokolle und Regeln, und jeder, der über die geeignete Hardware und Software verfügt, kann Teil dieser Verbindung sein.
- Zur Zeit übersteigen die technischen und finanziellen Anforderungen, um sich direkt an das Internet anzuschließen, zumeist die individuellen Möglichkeiten, und daher haben sich neue Unternehmen, die als Internetzugangs-Dienstanbieter bezeichnet werden, verbreitet. Diese Dienstanbieter investieren in die Ausrüstung, die erforderlich ist, um Teilnehmern den Zugang zum Internet bereitzustellen, die den Dienstanbietern eine Gebühr für den Zugang bezahlen. Dienstanbieter umfassen Firmen, deren einzige Geschäftstätigkeit darin besteht, Zugang zum Internet anzubieten, ebenso wie Online-Dienste wie Compuserve, American Online und Prodigy. Zusätzlich haben Telefongesellschaften und Kabelfernsehgesellschaften angekündigt, daß sie planen, einen Internetzugang anzubieten. Ein Dritter, der sich mittels eines Dienstanbieters an das Internet anschließen möchte, kann sich mit einem Modem über ein Telefon- oder ein Kabelfernsehnetzwerk mit der Ausrüstung des Dienstanbieters verbinden, der dann den Dritten mittels der Ausrüstung des Dienstanbieters mit dem Internet verbindet.
- Obwohl der Ursprung des Internets militärischen Zwecken diente, sind heute die Hauptnutzer des Internets Zivilisten. Es gibt derzeit eine große Aktivität, zu versuchen, das Internet als Handelskanal zu nutzen.
- Viele Anbieter bewerben ihre Waren und Dienstleistungen über das Internet und fordern Internet-User zum Bestellen dieser Produkte auf. Obwohl die bevorzugte Art der Bezahlung die mit Kreditkarte ist, besteht wegen des Mangels an Sicherheit eine große Abneigung dagegen, Kreditkarteninformationen über das Internet zu übertragen. Darüber hinaus ist es in Fällen, in denen der Überweisungsbetrag klein ist – von Pennies bis ein paar Dollars – nicht in ökonomischer Weise möglich, eine Kreditkartenzahlung zu verwenden. Es besteht ein Bedürfnis danach, sicherstellen zu können, daß Handelsgeschäfte über das Internet zumindest genauso sicher sind wie konventionelle Geschäfte über das Telefon, per Post und mit Online-Diensten, bei denen Kreditkarten und/oder Abrechnungskonten für die Käufe verwendet werden. Entsprechend gibt es ein Bedürfnis, in der Lage zu sein, im Internet eine große Anzahl von kleinen Geschäften abzuwickeln, ähnlich zu dem, was von Telefongesellschaften für gebräuchliche Telefondienstleistungen durchgeführt wird.
- Der Mangel an Sicherheit und das Fehlen eines Mittels, kleine Geschäfte abzurechnen, sind die größten Hindernisse für die kommerzielle Anwendung des Internets.
- In den Literaturstellen Interactive Age, Vol. 2, Nr. 8, 13. Februar 1995, Dana Blankenhorn, "Bilding the Tools for Web Commerce", Seite 34+ und Credit Card Management, Vol. 7, Nr. 11, Februar 1995 "Into the Cyberspace", Seite 34+ wird ein Internet-Zahlungsdienst von "First Virtual" beschrieben, der ein Verfahren zum Fakturieren über das Internet umfaßt.
- Gemäß dem Verfahren von First Virtual registriert ein Kunde bzw. eine Kundin vorab seine bzw. ihre Kreditkartennummer bei First Virtual, die dem Kunden bzw. der Kundin eine PIN zuweist, die von dem Kunden bzw. der Kundin beim Erwerb von Waren über das Internet zu verwenden ist. Um den Dienst von First Virtual nutzen zu können, muß der Kunde bzw. die Kundin in der Lage sein, E-mails über das Internet zu senden und zu empfangen. Wenn der Kunde bzw. die Kundin Waren erwerben möchte, gibt er bzw. gibt sie dem Anbieter die PIN (vermutlich auf beliebige Weise, beispielsweise per Telefon, per E-mail oder durch Übertragung eines Formulars in einem Browser), der diese als Teil einer Abrechnungsanforderung an First Virtual emailt (in einer Nachricht, die von First Virtual als "Transferanfrage" bezeichnet wird), die ihrerseits eine Aufforderung, die von dem Anbieter übermittelte Transaktion zu bestätigen, an den durch die PIN identifizierten Kunden bzw. an die durch die PIN identifizierte Kundin emailt. First Virtual wird "bis etwa einen Monat" darauf warten, daß der Kunde bzw. die Kundin antwortet, bevor das Ausbleiben der Antwort als Ablehnung der Transaktion gilt. Wenn der Kunde bzw. die Kundin auf die E-mail von First Virtual antwortet, oder wenn der Monat verstreicht, emailt First Virtual die Antwort des Kunden an den Anbieter. Wenn der Kunde bestätigt hat, reicht First Virtual den in Rechnung gestellten Betrag, mit First Virtual als dem Händler, bei einem Kreditkarten-Abrechnungsunterneh men (z. B. USA Merchant Services) ein. Die Zahlung an den Anbieter erfolgt bis zu 90 Tage nach dem Ausgleich. In dem System von First Virtual besteht die einzige Funktion des Internetzugangs-Dienstanbieters darin, den Kunden mit dem Internet zu verbinden; der Internetzugangs-Dienstanbieter nimmt nicht an der Durchführung des Kaufgeschäftes teil.
- Das Verfahren von First Virtual beteiligt nicht den Internetzugangs-Dienstanbieter in dem Verfahren zum Fakturieren, erfordert, daß der Anbieter eine Abrechnungsanfrage (z. B. eine "Transferanfrage") für einen Kauf sendet, erfordert, daß vor dem in Rechnung stellen First Virtual eine Bestätigung des Kunden über einen Kauf erhält, erfordert, daß als Ersatz für die Nummer der Kreditkarte des Kunden, dem das Geschäft in Rechnung gestellt werden soll, eine PIN verwendet wird, und erfordert, daß zwischen den Parteien wenigstens vier E-mail-Nachrichten verwendet werden, um ein Kaufgeschäft voll-ständig durchzuführen.
- Das Verfahren von First Virtual ist daher nicht einfach anzuwenden, da es nicht das Kaufen mittels einer einzigen Mitteilung von dem Kunden ermöglicht, nicht den virtuell sofortigen Abschluß eines Kaufgeschäftes ermöglicht, weil E-mail-Bestätigungen notwendig sind, und es aufgrund der mit der Verwendung von Kreditkarten verbundenen Kosten nicht für Kaufgeschäfte mit sehr geringem Preis brauchbar ist.
- ZUSAMMENFASSUNG DER ERFINDUNG
- Das Hauptziel der vorliegenden Erfindung besteht darin, für Telefongesellschaften, Kabelfernsehgesellschaften, bestehende Internetzugangs-Dienstanbieter und Unternehmen, die Finanzdienstleistungen anbieten, eine neue Geschäftsmöglichkeit zu schaffen, indem ihnen der Weg eröffnet wird, ihren Teilnehmern ein Verfahren anzubieten, mit dem Waren und Dienstleistungen von beliebigem Wert über das Internet sicher gekauft und verkauft werden können.
- Eine andere Aufgabe der vorliegenden Erfindung ist ein Verfahren zum Fakturieren über das Internet, das für Geschäfte, die einen Kaufbetrag haben, der von Pennies bis zu wenigen Dollars reicht, kosteneffizient ist.
- Eine andere Aufgabe der vorliegenden Erfindung besteht darin, ein sicheres Verfahren zum Fakturieren von Handelsgeschäften über das Internet bereitzustellen.
- Eine weitere Aufgabe der vorliegenden Erfindung ist ein Verfahren zum Fakturieren über das Internet, das sowohl vom Standpunkt des Kunden als auch der Anbieter im Internet einfach verwendet werden kann.
- Eine weitere andere Aufgabe der Erfindung besteht in dem Bereitstellen eines Verfahrens zum Fakturieren, das mit einer großen Anzahl bestehender Internet-User verwendet werden kann, ohne daß wesentliche Änderungen darin erforderlich sind, wie die User gebräuchlicherweise Handelsgeschäfte handhaben und durchführen.
- Diese und andere Aufgaben und Vorteile der vorliegenden Erfindung werden durch ein Verfahren zum Fakturieren über das Internet gemäß Anspruch 1 gelöst. Ein Dienstanbieter begründet eine Vereinbarung mit einem Kunden und eine zweite Vereinbarung mit einem Anbieter, wobei der Dienstanbieter mit dem Kunden und dem Anbieter verein bart, Waren und Dienstleistungen, die durch den Kunden über das Internet von dem Anbieter erworben werden, in Rechnung zu stellen. Der Vereinbarung mit dem Kunden sind ein oder mehrere Abrechnungskonten zugeordnet, die mit den Käufen belastet werden können. Der Vereinbarung mit dem Anbieter sind ein oder mehrere Verfahren zugeordnet, um Zahlungen an den Anbieter zu erstatten. Der Dienstanbieter schafft durch die Ausrüstung des Dienstanbieters für den Kunden einen Zugang zu dem Internet. Wenn der Kunde über das Internet von dem Anbieter eine Ware oder Dienstleistung bestellt, erhält der Dienstanbieter den Abschluß eines Geschäftes betreffende Informationen, die zwischen dem Kunden und dem Anbieter übertragen werden, einschließlich eines Kaufbetrages zu der bestellten Ware oder Dienstleistung, und der Dienstanbieter belastet dann ein Abrechnungskonto des Kunden mit dem Kaufbetrag und überweist einen Teil des Kaufbetrages an den Anbieter.
- Welche Konten verwendet werden, kann in den Vereinbarungen zwischen dem Dienstanbieter und dem Kunden und zwischen dem Dienstanbieter und dem Anbieter festgelegt werden oder kann in den den Abschluß eines Geschäftes betreffenden Informationen bestimmt werden. Wenn die Angabe in den den Abschluß eines Geschäftes betreffenden Informationen erfolgt, kann die Auswahl eines Kontos durch Bezugnahme auf die Art des Kontos (z. B. "VISA", "Telefonrechnung") oder die Position dieses Kontos in einer vorgegebenen Liste (z. B. "das dritte Konto") erfolgen und erfordert nicht, daß irgendeine tatsächliche Kontonummer übertragen wird.
- Beim Verwenden dieses Verfahrens ist es für den Kunden nicht erforderlich, irgendeine Information, die eine Nummer eines Abrechnungskontos des Kunden betrifft, über das Internet zu übertragen, wodurch die Sicherheit dieser Information aufrechterhalten wird. In einer bevorzugten Ausführungsform ist die vorliegende Erfindung ein Verfahren, um Händlern die Möglichkeit bereitzustellen, ihren Kunden sichere Geschäftsabschlüsse für den Kauf von Waren und Dienstleistungen mit beliebigem Wert über das Internet anzubieten, ohne daß es für den Kunden erforderlich ist, irgendeine Kreditkartennummer oder andere Kontonummer über das Internet zu übertragen, ohne daß es für den Kunden erforderlich ist, eine Vereinbarung mit einem zusätzlichen Dienstanbieter einzugehen und ohne daß es erforderlich, die Art und Weise zu ändern, in der die meisten Kunden derzeit das Internet benutzen.
- Gemäß der vorliegenden Erfindung hat ein Kunde, der Waren und Dienstleistungen über das Internet kaufen möchte, vorab mittels der Dienstleistungen eines Internetzugangs-Dienstanbieters den Zugang zum Internet geschaffen. Solche Dienstanbieter umfassen Unternehmen, deren einzige Geschäftstätigkeit darin besteht, Zugang zum Internet anzubieten, Unternehmen, die Online-Computerdienste anbieten, wobei ein Dienst der Zugang zum Internet ist, Kabelfernsehgesellschaften und Telefongesellschaften. Beim Einrichten des Zugangs mit einem solchen Dienstanbieter hat der Kunde mit dem Dienstanbieter eine Vereinbarung über ein Zahlungsverfahren getroffen, das beispielsweise das Ausstellen einer Rechnung, das Belasten einer Kreditkarte oder das Belasten eines Kontos des Users sein kann, beispielsweise eines spezifischen Kontos für das Internet oder eines allgemeineren Kontos wie ein Konto für einen Online-Computerservice, eine Kabelfernsehkonto oder ein Telefonkonto.
- Wenn die vorausgehenden Vereinbarungen abgeschlossen sind, umfaßt das Nutzen der Leistung des Dienstanbieters zum Verbinden mit dem Internet typischerweise das Anrufen einer Telefonnummer des Dienstanbieters und das automatische Verbinden mit dem Internet durch die Ausrüstung des Dienstanbieters.
- Wenn der Kunde einmal an das Internet angeschlossen ist, kann er herumbrowsen, bis er auf einen Gegenstand trifft, den der Kunde erwerben möchte; zu diesem Zeitpunkt wird der Kunde den von dem Anbieter erzeugten Anweisungen folgen und schließlich dem Erwerb eines Gegenstandes durch Durchführen einer entsprechenden Aktion zustimmen. Im Verlauf der Abwicklung des Geschäftes wird die Art und Weise der Auslieferung der Ware oder Dienstleistung vereinbart. In Abhängigkeit von der Art der Ware kann die Auslieferung beispielsweise per Post (z. B. im Fall des Erwerbs eines Buches), durch einen Kurierdienst (z. B. im Fall des Erwerbs von Blumen) oder durch eine elektronische Übertragung über das Internet (z. B. im Falle der Auslieferung einer elektronischen Zeitung oder eines Stückes Software) erfolgen. Das verbleibende Element des Kaufabschlusses ist die Art und Weise, in der der Kunde den Anbieter bezahlt.
- Gemäß der vorliegenden Erfindung hat der Dienstanbieter Vereinbarungen mit Anbietern begründet, die den Wunsch haben, über das Internet Waren und Dienstleistungen an Kunden des Dienstanbieters zu verkaufen. Der Dienstanbieter stimmt zu, für die Verkäufer das mit solchen Verkäufen verbundene Fakturieren für die Verkäufer durchzuführen, und als Teil der Vereinbarung haben der Dienstanbieter und der Verkäufer eine Vereinbarung über die Art und Weise getroffen, in der der Dienstanbieter Zahlungen an den Verkäufer erstattet. Beispiele von Zahlungen umfassen die Zahlung per Scheck, eine Gutschrift auf dem Kreditkartenhandelskonto des Verkäufers oder eine Gutschrift auf einem anderen Konto des Verkäufers, wie beispiels weise dem Kabelfernseh- oder Telefonkonto des Verkäufers. Das Konto des Verkäufers, auf das die Gutschrift erfolgt, muß nicht bei dem Dienstanbieter sein. Die getroffenen Vereinbarungen werden von den Wünschen des Verkäufers und den Möglichkeiten des Dienstanbieters abhängen. Wenn der Verkäufer beispielsweise viele kleine Überweisungen erwartet und der Dienstanbieter eine Telefongesellschaft ist, können sie vereinbaren, daß der Dienstanbieter Beträge unter einem bestimmten nominalen Wert dem bestehenden Telefonkonto des Verkäufers gutschreibt und größere Beträge dem Kreditkartenhandelskonto des Verkäufers gutschreibt. Wenn der Verkäufer große Zahlungen erwartet, können sie vereinbaren, daß der Dienstanbieter per Scheck bezahlt.
- Bei einer typischen Durchführung eines Geschäftes gemäß der vorliegenden Erfindung erscheint aus der Sicht des Kunden die gesamte Verwendung des Internets konventionell. In Abhängigkeit von den im voraus getroffenen Vereinbarungen zwischen dem Dienstanbieter und dem Kunden und zwischen dem Dienstanbieter und dem Verkäufer kann der Kunde mit dem Kauf beispielsweise eine Kreditkarte, ein Kabelfernsehkonto oder ein Telefonkonto belasten. Das zu belastende Konto des Kunden muß nicht bei dem Dienstanbieter sein. Beispielsweise kann der Kunde eine Telefongesellschaft als einen Internet-Dienstanbieter und eine zweite Telefongesellschaft als einen Telefon-Dienstanbieter verwenden und das zu belastende Konto ist das bei der zweiten Telefongesellschaft. Der Kunde gibt in einer Anweisung an den Dienstanbieter an, welches Konto zu belasten ist, aber weder der Kunde noch der Anbieter müssen irgendeine Kontonummer über das Internet übermitteln, weil es der Dienstanbieter und nicht der Verkäufer ist, der die Belastung an das Kreditkartenunternehmen, die Kabelfernsehgesellschaft oder die Telefongesellschaft übermittelt, und dem Dienstanbieter sind bereits im Verlauf des Abschlusses der vorausgegangenen Vereinbarungen mit dem Kunden und dem Anbieter die entsprechenden Kontonummern sowohl des Kunden als auch des Anbieters angegeben worden. Der Dienstanbieter sendet diese Information an den geeigneten Dritten auf demselben sicheren Weg, der üblicherweise für entsprechende Geschäfte, die nicht über das Internet abgewickelt werden, benutzt wird.
- Vom Standpunkt des Anbieters aus ist die Abwicklung des Geschäftes so sicher wie ein Geschäft, das über Telefon mit einer Kreditkarte abgeschlossen wird. Falls es der Anbieter wünscht, kann der Anbieter mit dem Dienstanbieter auf dieselbe Weise, in der eine solche Überprüfung für dasselbe Geschäft über das Telefon mit einer Kreditkarte durchgeführt würde, verifizieren, daß die von dem Kunden für den Versand der Waren angegebene Adresse von dem Kunden autorisiert worden ist. Zusätzlich kann, weil eine solche Überprüfung es nicht erfordert, daß irgendeine Kontonummer des Kunden übertragen wird, die Überprüfung über das Internet als Teil der Abwicklung des Geschäftes selbst erfolgen, falls der Dienstanbieter und der Anbieter dies im voraus so vereinbart haben.
- Vom Standpunkt des Dienstanbieters wird dem Dienstanbieter bewußt, daß der Kunde die Belastung autorisiert hat, indem er die mittels der Ausrüstung des Dienstanbieters zwischen dem Kunden und dem Anbieter über das Internet gesendeten Daten überwacht. Das kann beispielsweise dadurch erfolgen, daß ein bestimmter Code angegeben wird, der, wenn er von dem Kunden zu dem Anbieter gesendet wird, dem Dienstanbieter anzeigt, daß ein Geschäft abgeschlossen worden ist. Wenn der Kunde einen Kauf abgeschlossen hat, belastet der Dienstanbieter das vereinbarte Konto des Kunden mit dem Kaufbetrag und schreibt den vereinbarten Teil dieses Betrages dem vereinbarten Konto des Anbieters gut, wobei die Differenz als Gebühr des Dienstanbieters für die Bereitstellung des Dienstes einbehalten wird.
- Diese und andere Merkmale und Vorteile der vorliegenden Erfindung werden anhand der folgenden detaillierten Beschreibung der Erfindung unter Bezugnahme auf die beigefügten Zeichnungen deutlich werden.
- KURZE BESCHREIBUNG DER ZEICHNUNGEN
- Es zeigen
-
1 ein Blockdiagramm eines Systems zum Ausführen des Verfahrens zum Fakturieren gemäß der vorliegenden Erfindung, -
2 ein Flußdiagramm einer Ausführungsform des Verfahrens gemäß der vorliegenden Erfindung und -
3 ein Flußdiagramm einer anderen Ausführungsform des Verfahrens gemäß der vorliegenden Erfindung. - DETAILLIERTE BESCHREIBUNG DER ERFINDUNG
- In
1 ist ein System zum Ausführen des Verfahrens gemäß der vorliegenden Erfindung dargestellt. In diesem System ist das Internet schematisch als Netzwerk1 dargestellt, mit dem Dienstanbieter2 ,9 , Kunden5.1–5.n ,6.1–6.n und8.1–8.n und Anbieter4.1–4.n und10.1–10.n (wobei n eine ganze Zahl ist, um einen Bereich von 1 bis vielen anzugeben) auf verschiedene Weisen verbunden sind. - Der Dienstanbieter
2 ist mit dem Zugangsnetzwerk3 und dem Internet1 verbunden und stellt den Kunden4.1–4.n und den Verkäufern6.1–6.n , die an das Zugangsnetzwerk3 angeschlossen sind, einen Zugang zu dem Internet1 bereit. Das Zugangsnetzwerk3 kann ein Telefonnetzwerk, ein Kabelfernsehnetzwerk, ein Online-Service-Netzwerk wie beispielsweise Compuserve, American Online oder Prodigy, oder ein privates Internet-Zugangsnetzwerk sein. Entsprechend ist der Dienstanbieter9 mit dem Zugangsnetzwerk7 und dem Internet1 verbunden und stellt für die Kunden10.1–10.n und die Anbieter8.1–8.n einen Zugang zum Internet1 bereit. Die Anbieter5.1–5.n5 greifen mit ihrer eigenen Ausrüstung direkt auf das Internet zu. - Gemäß dem in
2 dargestellten Flußdiagramm des Verfahrens begründet in Schritt 11 der Dienstanbieter2 Vereinbarungen mit Anbietern5.1–5.n , die direkt an das Internet angeschlossen sind, mit Anbietern6.1–6.n , die über das Zugangsnetzwerk3 und den Dienstanbieter2 auf das Internet zugreifen, und mit Anbietern8.1–8.n , die über das Zugangsnetzwerk7 und den Dienstanbieter9 mit dem Internet1 verbunden sind, um Kunden4.1–4.n für Waren und Dienstleistungen zu belasten, die von ihnen über das Internet von Anbietern5.1–5.n ,6.1–6.n und8.1–8.n erworben wurden. Der Dienstanbieter2 vereinbart auch, einen Teil des eingenommenen Geldes an die Anbieter zu erstatten. Der Dienstanbieter2 begründet auch eine Vereinbarung mit jedem der Kunden4.1–4.n . Diese Vereinbarungen beinhalten, daß der Dienstanbieter den Kunden Waren und Dienstleistungen in Rechnunung stellt, die von ihnen über das Internet erworben wurden. Das Abrechnen erfolgt über Abrechnungskonten, die in Verbindung mit den Vereinbarungen eingerichtet wurden. Die Abrechnungskonten können beispielsweise Kreditkartenkonten, Telefonkonten, Kabelfernsehkonten oder Online-Service-Konten sein. Die Konten müssen nicht bei dem Dienstanbieter sein, falls der Dienstanbieter eine ersatzweise Abrechnungsvereinbarung mit dem Dritten hat, bei dem das Konto errichtet wurde. - Als Teil des Service des Dienstanbieters für die Kunden
4.1–4.n wird der Kunde in Schritt 12 für eine gewünschte Zeit mit dem Internet1 verbunden, typischerweise durch die Herstellung einer Verbindung über ein Modem. Wenn der Kunde einmal mit dem Internet verbunden ist, kann er mit jedem der Anbieter5.1–5.n ,6.1–6.n und8.1–8.n in Verbindung treten, um etwas über von diesen Anbietern angebotene Waren und Dienstleistungen herauszufinden. - Wenn einer der Kunden
4.1–4.n die Entscheidung trifft, eine Ware oder eine Dienstleistung von einem der Anbieter5.1–5.n ,6.1–6.n und8.1–8.n zu bestellen, erfolgt in Schritt 13 eine Austausch von den Abschluß eines Geschäf- tes betreffenden Informationen zwischen dem Kunden und dem Anbieter. Dieser Austausch kann den Kunden betreffende Identifikationsinformation beinhalten, beispielsweise wie die Internetadresse des Kunden, Information, die sich auf die zu erwerbenden Waren und Dienstleistungen bezieht, einschließlich des Kaufbetrages, der Art und des Zeitpunkts der Lieferung und einer Referenznummer zum Identifizieren der Bestellung. Der Anbieter kann auch einen den Abschluß eines Geschäftes angebenden Verifizierungscode erzeugen, der von dem Dienstanbieter2 herausgegriffen werden kann. - In Schritt 14 wird die den Abschluß eines Geschäftes betreffende Information von dem Dienstanbieter
2 erhalten. Die Mitteilung kann eine separate Übertragung von dem Anbieter oder dem Kunden an den Dienstanbieter2 sein, oder der Dienstanbieter2 kann die Information aus dem Austausch von Information gewinnen, der zwischen dem Kunden und dem Anbieter über die Ausrüstung des Dienstanbieters2 erfolgt. Der Dienstanbieter2 kann dann Verifikationsinformation an den Kunden, an den Anbieter oder an beide senden, um anzugeben, daß dem Kaufabschluß zugestimmt wurde, falls die Zustimmung eines Dritten, beispielsweise eines Kreditkartenunternehmens, erforderlich ist. Es ist besonders wichtig, daß die gesamte Abwicklung des Geschäftes erfolgt, ohne daß es erforderlich ist, die Kreditkartennummer oder eine andere Kontonummer des Kunden über das Internet1 zu übertragen. - In Schritt 15 wird die Ware oder Dienstleistung an den Kunden geliefert und in Schritt 16 wird durch den Dienstanbieter
2 das entsprechende Konto des Kunden belastet. Der Dienstanbieter2 erstattet dann in Schritt 7 auf geeignete Weise die vereinbarte Zahlung an den Anbieter, wobei die Differenz als Servicegebühr für die von dem Dienstanbieter2 geleisteten Dienste einbehalten wird. - Wie in
1 zu sehen ist, kann das Verfahren gemäß der vorliegenden Erfindung auf viele Weisen ausgeführt werden. Beispielsweise kann in Schritt 21, siehe3 , der Anbieter Zahlungsvereinbarungen mit dem Dienstanbieter2 und dem Dienstanbieter9 begründen, um einen Teil eines dem Abrechnungskonto eines der Kunden4.1–4.n und10.1–10.n berechneten Kaufbetrages an den Anbieter5.1 weiterzuleiten. Entsprechend kann jeder der Anbieter6.1–6.n mit dem Dienstanbieter9 eine Zahlungsvereinbarung für Geschäfte begründen, die über das Internet zwischen jedem der Anbieter6.1–6.n und der Kunden10.1–10.n getätigt wurden. - In Schritt 22 verbindet sich ein Kunde mit dem Internet und tauscht in Schritt 23 den Abschluß eines Geschäftes betreffende Informationen mit dem Anbieter aus. Der Anbieter liefert in Schritt 25 eine Ware oder Dienstleistung an den Kunden und empfängt in Schritt 27 eine Zahlung vom Dienstanbieter.
- Gemäß einem anderen Merkmal der vorliegenden Erfindung kann, bevor der Kaufbetrag dem Konto des Kunden belastet wird und nachdem die den Abschluß eines Geschäftes betreffende Information erhalten wurde, der Dienstanbieter die Zustimmung erhalten, das Abrechnungskonto mit dem Kaufbetrag zu belasten. Dies ist oft in Fällen erforderlich, in denen es sich bei dem Abrechnungskonto um ein Kreditkartenkonto handelt. In diesem Fall muß die Zustimmung von einem Dritten eingeholt werden, d.h. der Bank, die die Kreditkarte herausgibt. Wenn das Konto bei dem Dienstanbieter ist, würde die Zustimmung von dem Dienstanbieter selbst eingeholt werden. In einer bevorzugten Ausführungsform der vorliegenden Erfindung kann die Zustimmung über das Internet eingeholt werden, und besonders bevorzugt während der Kommunikation zwischen dem Kunden und dem Anbieter.
- Gemäß einem weiteren Merkmal der vorliegenden Erfindung kann der Kunde ein bestimmtes Abrechnungskonto, beispielsweise ein Kreditkartenkonto, ein Telefonkonto, ein Kabelfernsehkonto oder ein Konto eines Online-Dienstes zu dem Zeitpunkt angeben, zu dem die Vereinbarung mit dem Dienstanbieter begründet wird. wann immer danach der Kaufbetrag in Rechnung gestellt wird, wird er dem angegebenen Abrechnungskonto belastet. Alternativ kann der Kunde zu dem Zeitpunkt, zu dem die Abrechnungsvereinbarung begründet wird, eine Mehrzahl von Abrechnungskonten angeben, beispielsweise ein American-Express-Konto, ein VISA-Konto und ein MASTERCARD-Konto. Wenn die den Geschäftsabschluß betreffende Information übertragen wird, enthält sie eine Angabe darüber, welches der mehreren Konten der Kunde belasten möchte, ohne daß jedoch die Kontonummer des Kontos angegeben wird. Der Kunde kann das Konto einfach durch Angeben des Markennamens American Express, VISA oder MASTERCARD spezifizieren oder der Kunde kann es als das erste Konto, zweite Konto oder dritte Konto angeben.
- Wie oben angegeben, muß das Abrechnungskonto nicht notwendigerweise bei dem Dienstanbieter sein, d.h. es kann bei einem Dritten sein wie einer Bank, die eine Kreditkarte herausgibt. Alternativ kann der Dienstanbieter eine erste Telefongesellschaft sein, aber das Abrechnungskonto kann bei einer zweiten Telefongesellschaft sein und die erste Telefongesellschaft kann das Telefonkonto des Kunden bei der zweiten Telefongesellschaft belasten.
- Gemäß der Erfindung kann die Erstattung durch das Übersenden von Geld oder durch eine Gutschrift auf ein Konto eines Anbieters, beispielsweise ein Kreditkarten-Abrechnungskonto, ein Telefonkonto, ein Kabelfernsehkonto oder ein Konto eines Online-Dienstes erfolgen.
- In einer bevorzugten Ausführungsform der vorliegenden Erfindung umfaßt der Schritt des Einrichtens des Erstattungskontos das Angeben eines bestimmten Kontos eines Anbieters, an das ein Teil des Kaufbetrages weitergeleitet wird. In einer alternativen Ausführungsform der vorliegenden Erfindung umfaßt der Schritt des Begründens der Auszahlungsvereinbarung, daß der Anbieter eine Mehrzahl von Anbieterkonten angibt, an die ein Teil des Kaufbetrages ausbezahlt werden kann. Auf diese Weise kann, wenn die den Abschluß eines Geschäftes betreffende Information übertragen wird, der Anbieter angeben, auf welches der mehreren Konten des Anbieters der Betrag ausgezahlt wer den soll, ohne jedoch die bestimmte Kontonummer anzugeben.
- Das Konto des Anbieters kann ein Konto bei dem Dienstanbieter oder ein Konto bei einem Dritten, beispielsweise ein Kreditkarten-Abrechnungskonto bei einer Bank sein.
- Die oben beschriebenen Ausführungsformen dienen nur der Erläuterung und sind nicht dazu vorgesehen, den Schutzbereich der Erfindung zu beschränken. Ein Fachmann kann viele Änderungen, Abänderungen, Umänderungen und Modifikationen durchführen, ohne den Schutzbereich der vorliegenden Erfindung wesentlich zu verlassen.
Claims (17)
- Ein Verfahren zum Fakturieren über das Internet für eine Mehrzahl von Kunden (
4 ,10 ) und eine Mehrzahl von Anbietern (5 ,6 ,8 ) von Waren oder Dienstleistungen, für Geschäftsabschlüsse über das Internet (1 ) zwischen kaufenden Kunden (4 ,10 ) der Mehrzahl von Kunden (4 ,10 ) und verkaufenden Anbietern (5 ,6 ,8 ) der Mehrzahl von Anbietern (5 ,6 ,8 ), wobei für jeden Geschäftsabschluß ein Internetzugangs-Dienstanbieter (2 ,9 ) den kaufenden Kunden (4 ,10 ) während einer gewünschten Anschlußzeit mit dem Internet (1 ) verbindet (12), während der der kaufende Kunde (4 ,10 ) über das Internet (1 ) einen Kauf durch den kaufenden Kunden (4 ,10 ) von dem verkaufenden Anbieter (5 ,6 ,8 ) autorisiert und wobei ein Kaufbetrag einem Konto des kaufenden Kunden (4 ,10 ) belastet (16) wird und ein Betrag an den verkaufenden Anbieter (5 ,6 ,8 ) erstattet (17) wird, gekennzeichnet durch: a) Der Internetzugangs-Dienstanbieter (2 ,9 ) begründet (11) eine Abrechnungsvereinbarung mit dem kaufenden Kunden (4 ,10 ) und eine Erstattungsvereinbarung mit dem verkaufenden Anbieter (5 ,6 ,8 ), für wenigstens einen Kauf von Waren oder Dienstleistungen des kaufenden Kunden (4 ,10 ) von dem verkaufenden Anbieter (5 ,6 ,8 ) über das Internet (1 ) den kaufenden Kunden (4 ,10 ) zu belasten (16) und an den verkaufenden Anbieter (5 ,6 ,8 ) zu erstatten (17); b) der Internetzugangs-Dienstanbieter (2 ,9 ) verbindet (12) den kaufenden Kunden (4 ,10 ) mit dem Internet (1 ) während einer gewünschten Zeitdauer, während der der kaufende Kunde (4 ,10 ) über das Internet (1 ) einen Kauf des kaufenden Kunden (4 ,10 ) von dem verkaufenden Anbieter (5 ,6 ,8 ) autorisiert; c) der Internetzugangs-Dienstanbieter (2 ,9 ) erhält (14) in bezug auf den Kauf wenigstens eine Belastungsgenehmigung von wenigstens einer Mitteilung, die von dem kaufenden Kunden (4 ,10 ) durch Ausrüstung des Internetzugangs-Dienstanbieters (2 ,9 ) über das Internet (1 ) an den verkaufenden Anbieter (5 ,6 ,8 ) erfolgt; d) der Internetzugangs-Dienstanbieter (2 ,9 ) belastet (16) ein Konto des kaufenden Kunden (4 ,10 ) mit einem Kaufbetrag in Bezug auf den Kauf gemäß der Abrechnungsvereinbarung; und e) der Internetzugangs-Dienstanbieter (2 ,9 ) erstattet (17 ) an den verkaufenden Anbieter (5 ,6 ,8 ) in Bezug auf den Kauf gemäß der Abrechnungsvereinbarung. - Verfahren nach Anspruch 1, wobei der Schritt des Erhaltens (
14 ) der wenigstens einen Belastungsgenehmigung umfaßt, daß der Internetzugangs-Dienstanbieter (2 ,9 ) das Vorhandensein der wenigstens einen Mitteilung überwacht. - Verfahren nach Anspruch 1, wobei der Schritt des Erhaltens (
14 ) der wenigstens einen Belastungsgeneh migung umfaßt, daß der Internetzugangs-Dienstanbieter (2 ,9 ) Information aus der wenigstens einen Mitteilung gewinnt. - Verfahren nach einem der Ansprüche 1 bis 3, wobei vor dem Schritt des Belastens (
16 ) des Kaufbetrags der Internetzugangs-Dienstanbieter (2 ,9 ) eine Genehmigung von einem anderen Dritten als dem kaufenden Kunden (4 ,10 ) einholt, den kaufenden Kunden (4 ,10 ) mit dem Kaufbetrag zu belasten. - Verfahren nach Anspruch 4, wobei der Internetzugangs-Dienstanbieter (
2 ,9 ) die Genehmigung über das Internet (1 ) einholt. - Verfahren nach einem der Ansprüche 1 bis 5, wobei der Internetzugangs-Dienstanbieter (
2 ,9 ) ein Online-Dienstanbieter ist. - Verfahren nach einem der Ansprüche 1 bis 5, wobei der Internetzugangs-Dienstanbieter (
2 ,9 ) eine Telefongesellschaft ist. - Verfahren nach einem der Ansprüche 1 bis 5, wobei der Internetzugangs-Dienstanbieter (
2 ,9 ) eine Kabelfernsehgesellschaft ist. - Verfahren nach einem der Ansprüche 1 bis 8, wobei das Konto des kaufenden Kunden (
4 ,10 ) bei einem Dritten ist. - Verfahren nach einem der Ansprüche 1 bis 9, wobei das Konto des kaufenden Kunden (
4 ,10 ) ein Konto für einen Internet-Zugang ist. - Verfahren nach einem der Ansprüche 1 bis 9, wobei das Konto des kaufenden Kunden (
4 ,10 ) ein Konto für Online-Dienstleistungen ist. - Verfahren nach einem der Ansprüche 1 bis 9, wobei das Konto des kaufenden Kunden (
4 ,10 ) ein Konto für Telefon-Dienstleistungen ist. - Verfahren nach einem der Ansprüche 1 bis 9, wobei das Konto des kaufenden Kunden (
4 ,10 ) ein Konto für Kabelfernseh-Dienstleistungen ist. - Verfahren nach einem der Ansprüche 1 bis 13, wobei das Konto des kaufenden Kunden (
4 ,10 ) ein Konto bei dem Internetzugangs-Dienstanbieter (2 ,9 ) ist. - Verfahren nach einem der Ansprüche 1 bis 14, wobei die Erstattung des Internetzugangs-Dienstanbieters (
2 ,9 ) auf ein Konto des verkaufenden Anbieters (5 ,6 ,8 ) bei einem Dritten erfolgt. - Verfahren nach einem der Ansprüche 1 bis 15, wobei die von dem verkaufenden Anbieter (
5 ,6 ,8 ) verkaufte Ware oder Dienstleistung über das Internet (1 ) von dem kaufenden Kunden (4 ,10 ) erhalten wird. - Verfahren nach einem der Ansprüche 1 bis 16, wobei der Internetzugangs-Dienstanbieter (
2 ,9 ) nicht von dem verkaufenden Anbieter (5 ,6 ,8 ) über den Kaufabschluß informiert wird, bevor das Konto des kaufenden Kunden (4 ,10 ) mit dem Kaufbetrag belastet (16 ) wird.
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1995
- 1995-07-07 US US08/499,535 patent/US5794221A/en not_active Expired - Lifetime
-
1996
- 1996-06-06 AU AU59865/96A patent/AU726993B2/en not_active Ceased
- 1996-06-06 JP JP50580397A patent/JP2000505568A/ja active Pending
- 1996-06-06 EP EP96917209A patent/EP0845125B1/de not_active Expired - Lifetime
- 1996-06-06 IL IL12280996A patent/IL122809A/xx not_active IP Right Cessation
- 1996-06-06 WO PCT/US1996/009010 patent/WO1997003410A1/en active IP Right Grant
- 1996-06-06 AT AT96917209T patent/ATE239948T1/de not_active IP Right Cessation
- 1996-06-06 EP EP20020024360 patent/EP1280084A3/de not_active Withdrawn
- 1996-06-06 CA CA 2226253 patent/CA2226253A1/en not_active Abandoned
- 1996-06-06 DK DK96917209T patent/DK0845125T3/da active
- 1996-06-06 DE DE1996628022 patent/DE69628022T2/de not_active Expired - Lifetime
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1998
- 1998-01-07 MX MX9800134A patent/MX9800134A/es not_active IP Right Cessation
- 1998-04-08 US US09/057,230 patent/US6188994B1/en not_active Expired - Lifetime
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2000
- 2000-05-11 US US09/568,925 patent/US6351739B1/en not_active Expired - Lifetime
- 2000-08-31 US US09/653,449 patent/US6411940B1/en not_active Expired - Lifetime
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2001
- 2001-03-19 JP JP2001079116A patent/JP2001297266A/ja active Pending
- 2001-03-19 JP JP2001079118A patent/JP2001273454A/ja active Pending
- 2001-03-19 JP JP2001079117A patent/JP2001266043A/ja active Pending
- 2001-10-11 US US09/975,839 patent/US6976008B2/en not_active Expired - Fee Related
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2002
- 2002-02-08 JP JP2002033045A patent/JP2002245365A/ja active Pending
- 2002-09-10 US US10/238,762 patent/US20030163420A1/en not_active Abandoned
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2003
- 2003-06-25 US US10/603,347 patent/US20040039699A1/en not_active Abandoned
- 2003-06-25 US US10/603,346 patent/US20040039698A1/en not_active Abandoned
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2006
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2007
- 2007-10-30 US US11/928,767 patent/US8019682B2/en not_active Expired - Fee Related
- 2007-10-30 US US11/928,733 patent/US7917436B2/en not_active Expired - Fee Related
- 2007-10-30 US US11/928,793 patent/US20080177658A1/en not_active Abandoned
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2010
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- 2010-05-27 US US12/789,216 patent/US7970703B2/en not_active Expired - Fee Related
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2011
- 2011-02-21 US US13/031,461 patent/US8086532B2/en not_active Expired - Fee Related
- 2011-05-02 US US13/098,525 patent/US8190524B2/en not_active Expired - Fee Related
- 2011-05-13 US US13/107,485 patent/US8306913B2/en not_active Expired - Fee Related
- 2011-11-29 US US13/306,165 patent/US8326756B2/en not_active Expired - Fee Related
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2012
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2014
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