WO1998048563A1 - System and method for retail over a network - Google Patents

System and method for retail over a network Download PDF

Info

Publication number
WO1998048563A1
WO1998048563A1 PCT/IL1998/000188 IL9800188W WO9848563A1 WO 1998048563 A1 WO1998048563 A1 WO 1998048563A1 IL 9800188 W IL9800188 W IL 9800188W WO 9848563 A1 WO9848563 A1 WO 9848563A1
Authority
WO
WIPO (PCT)
Prior art keywords
computer
network
purchaser
connection
sale
Prior art date
Application number
PCT/IL1998/000188
Other languages
French (fr)
Inventor
Ilan Ben David
Original Assignee
Ilan Ben David
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 Ilan Ben David filed Critical Ilan Ben David
Priority to AU70755/98A priority Critical patent/AU7075598A/en
Publication of WO1998048563A1 publication Critical patent/WO1998048563A1/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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Definitions

  • the present invention relates to a system and method for retail over an
  • INTERNET based transaction are based on encryption technology. In one
  • pre-purchase agreements with a third party typically the credit/debit card
  • the present invention provides an improved retail system and
  • the selection of goods is done
  • the present invention provides a retail item.
  • network computer communicating with said point of sale for ordering good
  • said purchaser computer also connected via a PST to said
  • the purchaser network station is connected to
  • connection and said second connection include means to indicate said
  • the network station is connected via a
  • the means for switching may be provided by the telephony central
  • the central office in which case the central office preferably employs the waiting call
  • the ISP connects to said transactions computer in the
  • Fig. 1A is a schematic block diagram of a system for retail
  • Fig. 1 B is a schematic flow chart illustrating the method of operating
  • Fig. 2A is a schematic block diagram of a system for retail
  • Fig. 2B is a schematic flow chart illustrating the method of operating
  • Fig. 2C details the disconnection and reconnection steps of Fig. 2B;
  • Fig. 3 is a schematic block diagram of a system for retail
  • Fig. 4 is a schematic block diagram of a system for retail
  • Fig. 1A illustrates an system
  • Fig. 1 B illustrates the operation
  • System 10 is operative in a packet switched network which is preferably
  • System 10 comprising a vendor retail system 12 including a point of sale
  • vendor web server workstation 14 in the illustrated
  • Vending unit 14 is operative to
  • ISP INTERNET Service Provider
  • client 22 has two telephone lines and two
  • modems modem 24 connecting client 22 to ISP 20 via telephone line 25 and
  • central office 28 and modem 26 connects client 22 to payment transaction
  • step 52 a customer connects to the INTERNET with its client computer 22 via
  • the ISP is a relatively large ISP operative through a central ISP web server 32 and a plurality of remote pops 34
  • step 54 the customer surfs the INTERNET and connects to the
  • step 56 the customer selects the goods he likes to
  • step 58 the customer
  • step 60 the payment transaction begins with the vending unit 14
  • step 62 the client computer receiving the purchase details dials
  • step 64 transactions computer 16
  • the customer can provide his credit/debit card number to transaction computer
  • step 66 The customer also provides an address for mailing the goods purchased and any other details, such as ID number in any program
  • step 68 the manner known in the art
  • the user can continue with any other task or surfing the INTERNET without the
  • Figs. 2A and 2B illustrate a system and a method of operating
  • Figs. 2A and 2B differs from that of Figs. 1A and 1 B in that
  • the client 22 has only a single modem 24.
  • steps 52 through 60 are similar to those in the
  • Step 61 can be
  • step 61 is replaced by a step of momentarily disconnect client 22 from the
  • Fig. 2C illustrates the momentarily disconnection of the customer
  • steps 80 and 82 illustrating an exemplary embodiment to carry
  • step 61 of Fig. 2B computer 22 first requests temporary disconnection of
  • Steps 84 through 90 illustrates an exemplary embodiment to carry
  • step 84 step 70 of reestablishing the connection (step 70 in Fig. 2B).
  • step 86 a connection is established, in step 86
  • Fig. 3 illustrates another embodiment of the present invention.
  • box 38 which holds one line on hold while activating
  • box 38 keeps the connection to the INTERNET on
  • step 70 the connection to the INTERNET while disconnecting the connection to transactions
  • client computer 22 and transactions computer 16 is initiated by the ISP.
  • step 61 the user is indicating his ISP that he
  • encryption may be added as another security

Abstract

A retail system for purchasing goods over a computer network comprising a point of sale (4) connected to a network, a transactions computer (16), a purchaser network computer (22) communicating with the point of sale (14) for ordering goods therefrom, which is also connected via a PST to the transactions computer (16), and means for activating the connection between the computer station and the point of sale (14) during ordering and connection to the transactions computer (16) during payment for completing said purchase.

Description

SYSTEM AND METHOD FOR RETAIL OVER A NETWORK
FIELD OF THE INVENTION
The present invention relates to a system and method for retail over an
integrated computer and telephony network generally and more particularly to a
system and method for purchasing goods via a computer network, such as the
INTERNET and for paying for that purchase via a telephony network, such as
over the conventional PSTN telephony network.
BACKGROUND OF THE INVENTION
Retail over computer networks, in particular over the INTERNET, is well
known and widely used. In one known method both purchase and payment are
done over the INTERNET, wherein the purchaser provides is debit or credit card
number to the vendor who charges him accordingly. However, large number of
people are hesitant to use this retail method since they are exposed to a third
party capturing their credit or debit card number and making improper use
thereof causing them and the debit/credit company significant monetary
damage.
State of the art solution for solving this problem of lack of security in
INTERNET based transaction are based on encryption technology. In one
typical solution, both the vendor and the purchaser are using encrypted
messages so as to minimize somewhat the exposure of the purchaser credit/debit card number being captured by a third party. One disadvantage of
encryption in this environment is that financial transaction are typically short with
some of the numbers fixed (e.g. four digits of the credit/debit card characterize
the credit/debit card company) making it rather easy to brake the encryption.
In another solution, the vendor and purchaser enter into separate
pre-purchase agreements with a third party, typically the credit/debit card
company, which then debit the purchaser off line for its INTERNET purchase.
This method is complicated because it requires pre-arrangements with this third
party and it adds additional costs to the transaction which makes the goods
purchased more expensive.
SUMMARY OF THE INVENTION
The present invention provides an improved retail system and
method for purchasing over a computer network, preferably but not necessarily
the INTERNET.
According to the present invention, the selection of goods is done
over the network while payment therefor is done via the telephony network
without the purchaser realizing same or required to do additional steps as
compared with purchase for which payment is done over the network as well.
According to one aspect, the present invention provides a retail
system for purchasing goods over a computer network which includes a point of
sale connected to said network, a transactions computer, at least one purchaser
network computer communicating with said point of sale for ordering good
therefrom, said purchaser computer also connected via a PST to said
transactions computer, and means for activating said connection between said
computer station and said point of sale during ordering and said connection to
said transactions computer during payment for completing said purchase.
In one embodiment, the purchaser network station is connected to
said network via a first telephone modem line and to said transactions computer
with second telephone line and wherein said means for activating said first
connection and said second connection include means to indicate said
purchaser network station to activate the telephone line with said transaction
computer once said order is completed. In another embodiment, the network station is connected via a
telephone line to said point of sale and via said same telephone line to said
transaction computer and wherein said means for activating comprising means
for switching between said first connection and said second connection.
The means for switching may be provided by the telephony central
office in which case the central office preferably employs the waiting call
function for the switching or by the ISP to which said purchaser computer is
connected. In one option, the ISP connects to said transactions computer in the
purchaser name.
In accordance to yet another aspect of the present invention, the
point of sale provides over said network a purchase serial number or a random
serial number used by the purchaser to check whether to provide his credit/debit
card number to said transaction computer via said telephony line during
payment.
According to another aspect of the present invention, there are
provided methods for purchasing goods over a computer network employing the
system of the present invention.
BRIEF DESCRIPTION OF THE DRAWINGS
The present invention will be understood and appreciated more fully
from the following detailed description taken in conjunction with the appended
drawings in which:
Fig. 1A is a schematic block diagram of a system for retail,
constructed and operative in accordance with one embodiment of the present
invention;
Fig. 1 B is a schematic flow chart illustrating the method of operating
the system of Fig. 1 A;
Fig. 2A is a schematic block diagram of a system for retail,
constructed and operative in accordance with a second embodiment of the
present invention;
Fig. 2B is a schematic flow chart illustrating the method of operating
the system of Fig. 2A;
Fig. 2C details the disconnection and reconnection steps of Fig. 2B;
Fig. 3 is a schematic block diagram of a system for retail,
constructed and operative in accordance with a third embodiment of the present
invention; and
Fig. 4 is a schematic block diagram of a system for retail,
constructed and operative in accordance with a fourth embodiment of the present
invention. DETAILED DESCRIPTION OF THE INVENTION
Reference is now made to Figs.1 A and 1 B. Fig. 1A illustrates an system
for retail, generally referenced 10, constructed and operative in accordance with
an embodiment of the present invention and Fig. 1 B illustrates the operation
thereof.
System 10 is operative in a packet switched network which is preferably
the INTERNET to enable purchase of goods over the INTERNET and payment
for these purchases over a telephony network.
System 10 comprising a vendor retail system 12 including a point of sale
or a vending unit, vendor web server workstation 14 in the illustrated
embodiment, and a payment or transaction unit which is transaction computer
workstation 16 in the illustrated embodiment. Vending unit 14 is operative to
offer goods for purchase over the INTERNET, therefore it is connected to the
packet switched network, schematically referenced 18 and therefrom via an
INTERNET Service Provider (ISP) system 20 to a plurality of clients 22
connected to the INTERNET with modem 24.
In the illustrated embodiment, client 22 has two telephone lines and two
modems, modem 24 connecting client 22 to ISP 20 via telephone line 25 and
central office 28 and modem 26 connects client 22 to payment transaction
computer 16 via line 27, central office 28 and one of ports 30.
The operation of system 10 is described with reference to Fig. 1 B.
In step 52 a customer connects to the INTERNET with its client computer 22 via
his ISP 20. In the illustrated embodiment the ISP is a relatively large ISP operative through a central ISP web server 32 and a plurality of remote pops 34
to one of which client computer 22 is connected.
In step 54, the customer surfs the INTERNET and connects to the
vendor's web server 14 while surfing the INTERNET using any known surfing
engine, such as the Netscape Navigator, commercially available from Netscape
of California, USA. In step 56 the customer selects the goods he likes to
purchase from the vendor's list displayed in his site. In step 58 the customer
confirms that the lists of goods he wants to purchase and the sum to be paid for
the purchase.
In step 60 the payment transaction begins with the vending unit 14
transmits to the customer computer via the INTERNET a telephone number of
his transactions computer 16, a purchase serial number or a random number
and the details of the purchase, i.e. the items purchased and the purchase sum.
These details are being send to transactions computer 16 as well or originated
therefrom.
In step 62, the client computer receiving the purchase details dials
automatically to transactions computer 16 via the conventional telephony
network using its second modem 28. In step 64, transactions computer 16
confirms that the purchase serial number and provides the customer again the
purchase sum and optionally the purchase details. In this manner both the
purchaser and the vendor are verified as to the identity of the other party and
the customer can provide his credit/debit card number to transaction computer
16 as indicated by step 66. The customer also provides an address for mailing the goods purchased and any other details, such as ID number in any program
providing discounts or bonus miles for such purchase. The transaction is then
completed by the vendor by charging the credit/debit card of the purchaser in
the manner known in the art (step 68).
It will be appreciated that the retail method of Fig. 1 B is
advantageous both in term of transaction security and computer operation since
it is being done as a background task using client 22 second modem 28 while
the user can continue with any other task or surfing the INTERNET without the
possible adverse effect of providing the credit/debit card number of the
INTERNET.
Figs. 2A and 2B illustrate a system and a method of operating
same, respectively, according to a second embodiment of the present invention.
The embodiment of Figs. 2A and 2B differs from that of Figs. 1A and 1 B in that
the client 22 has only a single modem 24.
In this embodiment, steps 52 through 60 are similar to those in the
method of Fig. 1 B, however, client 22 is then disconnected from the INTERNET
as indicated by step 61 and only than steps 62 to 66 continue. Step 61 can be
manual or automatic.
In another embodiment when the vendor is also the ISP of client
22, step 61 is replaced by a step of momentarily disconnect client 22 from the
INTERNET for completing steps 62 - 66. Immediately after steps 62 - 66 are
completed clients 22 connection to the INTERNET is reestablished by his ISP
as indicated by step 70. Fig. 2C illustrates the momentarily disconnection of the customer
from his ISP in order to complete the transaction via the conventional telephone
line with transaction computer 16 and the reestablishment of the connection in
more details.
In steps 80 and 82 illustrating an exemplary embodiment to carry
out step 61 of Fig. 2B, computer 22 first requests temporary disconnection of
the current INTERNET session from his ISP (step 80) and receives in return a
session code number from ISP 20 after which the connection is being
disconnected (step 82).
Steps 84 through 90 illustrates an exemplary embodiment to carry
out step 70 of reestablishing the connection (step 70 in Fig. 2B). In step 84
computer 22 calls again ISP 20. In step 86 a connection is established, in step
88 computer 22 sends the session code number which is received by the ISP 20
which in turn continues the previous INTERNET session as indicated by step
90.
Fig. 3 illustrates another embodiment of the present invention. In
Fig. 3, the switching between the INTERNET connection and the transaction
session is done in the central office 28 using the waiting call function
schematically illustrated by box 38 which holds one line on hold while activating
the other line.
Accordingly, box 38 keeps the connection to the INTERNET on
hold while activating the connection between client computer 22 and
transactions computer 16 and then reactivates similarly to step 70 (Fig. 2B) the connection to the INTERNET while disconnecting the connection to transactions
computer 16 while all other steps are similar to that of Fig. 1B.
In the embodiment of Fig. 4, the telephone connection between
client computer 22 and transactions computer 16 is initiated by the ISP.
According to this embodiment in step 61 the user is indicating his ISP that he
requires a telephone call and the ISP connects it to transactions computer 16 as
indicated by line 39.
It will be appreciated that the embodiments described above are
set for exemplary purposes only and any other embodiment in which a
conventional telephone connection is used for transactions purposes for
completing a purchase over the INTERNET is intended to be covered by the
present invention.
It will also be appreciated that while the embodiments described
above do not include encryption, encryption may be added as another security
level to any of the embodiments of the present invention.
It will further be appreciated by persons skilled in the art that the
present invention is not limited to what has been particularly shown and described
hereinabove. Rather, the scope of the present invention is defined only by the
claims that follow:

Claims

1. A retail system for purchasing goods over a computer network
comprising:
a point of sale connected to said network;
a transactions computer;
at least one purchaser network computer communicating with said
point of sale for ordering goods therefrom, said purchaser computer also
connected via a PST to said transactions computer; and
means for activating said connection between said computer
station and said point of sale during ordering and said connection to said
transactions computer during payment for completing said purchase.
2. A system according to claim 1 , wherein said purchaser network
station is connected to said network via a first telephone modem line and to
said transactions computer with second telephone line and wherein said
means for activating said first connection and said second connection include
means to indicate said purchaser network station to activate the telephone
line with said transaction computer once said order is completed.
3. A system according to claim 1 , wherein said network station is
connected via a telephone line to said point of sale and via said same
telephone line to said transaction computer and wherein said means for activating comprising means for switching between said first connection and
said second connection.
4. A system according to claim 3 wherein said means for switching
are provided by the telephony central office.
5. A system according to claim 4 wherein said central office employs
the waiting call function for said switching.
6. A system according to any of the preceding claims wherein said
network is the INTERNET.
7. A system according to claim 6 wherein said means for switching
are provided by the ISP to which said purchaser computer is connected.
8. A system according to claim 6 wherein said ISP connects to said
transactions computer in the purchaser name.
9. A system according to any of the preceding claims wherein the
point of sale provides over said network a purchase serial number used by
said purchaser to check whether to provide his credit/debit card number to
said transaction computer via said telephony line during payment.
10. A system according to any of the preceding claims wherein said
transaction via telephony line is transparent to said purchaser.
11. A method for purchasing goods over a computer network using a
computer network station comprising:
connecting to a point of sale connected to said network;
communicating with said point of sale for ordering goods
therefrom;
communicating with a transactions computer via a telephony
connection for paying for said purchased goods; and
activating said connection with said point of sale during ordering
and said connection to said transactions computer during payment for
completing said purchase.
12. A method according to claim 11 , wherein said purchaser network
station is connected to said network via a first telephone modem line and to said
transactions computer with second telephone line and wherein said step of
activating said first connection and said second connection include the step of
indicating said purchaser network station to activate the telephone line with said
transaction computer once said order is completed.
13. A method according to claim 11 , wherein said network station is connected via a telephone line to said point of sale and via said same telephone
line to said transaction computer and wherein said step of activating comprising
the step of switching between said first connection and said second connection.
14. A method according to claim 13 wherein said step of switching is
provided by the telephony central office.
15. A method according to claim 14 wherein said central office
employs the waiting call function for said switching.
16. A method according to any of the preceding claims wherein said
network is the INTERNET.
17. A method according to claim 16 wherein said step of switching is
provided by the ISP to which said purchaser computer is connected.
18. A method according to claim 16 wherein said ISP connects to said
transactions computer in the purchaser name.
19. A method according to any of claims 11 - 18 wherein the point of
sale provides over said network a purchase serial number or a purchase
random number used by said purchaser to check whether to provide his
credit/debit card number to said transaction computer via said telephony line during payment.
20. A method according to any of claims 11 - 19 wherein said
transaction via telephony line is transparent to said purchaser.
21. A system according to any of claims 1 - 10, substantially as
described hereinabove.
22. A system according to any of claims 1 - 10, substantially as
illustrated in any one of the drawings.
23. A method according to any of claims 11 - 20, substantially as
described hereinabove.
24. A system according to any of claims 11 - 20, substantially as
illustrated in any one of the drawings.
PCT/IL1998/000188 1997-04-20 1998-04-20 System and method for retail over a network WO1998048563A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU70755/98A AU7075598A (en) 1997-04-20 1998-04-20 System and method for retail over a network

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IL12071097A IL120710A0 (en) 1997-04-20 1997-04-20 System and method for retail over a network
IL120710 1997-04-20

Publications (1)

Publication Number Publication Date
WO1998048563A1 true WO1998048563A1 (en) 1998-10-29

Family

ID=11070063

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IL1998/000188 WO1998048563A1 (en) 1997-04-20 1998-04-20 System and method for retail over a network

Country Status (3)

Country Link
AU (1) AU7075598A (en)
IL (1) IL120710A0 (en)
WO (1) WO1998048563A1 (en)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6249772B1 (en) 1997-07-08 2001-06-19 Walker Digital, Llc Systems and methods wherein a buyer purchases a product at a first price and acquires the product from a merchant that offers the product for sale at a second price
WO2002007034A1 (en) * 2000-07-19 2002-01-24 Igor Anatolievich Prostakov Global computer-aided sale system based on information network technologies
US6959283B1 (en) * 2000-03-29 2005-10-25 Ncr Corporation Automated cafeteria
US6970837B1 (en) 1996-09-04 2005-11-29 Walker Digital, Llc Methods and apparatus wherein a buyer arranges to purchase a first product using a communication network and subsequently takes possession of a substitute product at a retailer
US8892470B2 (en) 1997-12-19 2014-11-18 Walker Digital, Llc Pre-sale data broadcast system and method
US9171316B2 (en) 1997-08-26 2015-10-27 Inventor Holdings, Llc Method and apparatus for vending a combination of products
US9684916B2 (en) 1997-07-08 2017-06-20 Groupon, Inc. Retail system for selling products based on a flexible product description

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US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
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Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6970837B1 (en) 1996-09-04 2005-11-29 Walker Digital, Llc Methods and apparatus wherein a buyer arranges to purchase a first product using a communication network and subsequently takes possession of a substitute product at a retailer
US6249772B1 (en) 1997-07-08 2001-06-19 Walker Digital, Llc Systems and methods wherein a buyer purchases a product at a first price and acquires the product from a merchant that offers the product for sale at a second price
US8010417B2 (en) 1997-07-08 2011-08-30 Walker Digital, Llc System and process for local acquisition of products priced online
US9684916B2 (en) 1997-07-08 2017-06-20 Groupon, Inc. Retail system for selling products based on a flexible product description
US9754302B2 (en) 1997-07-08 2017-09-05 Groupon, Inc. Retail system for selling products based on a flexible product description
US9171316B2 (en) 1997-08-26 2015-10-27 Inventor Holdings, Llc Method and apparatus for vending a combination of products
US8892470B2 (en) 1997-12-19 2014-11-18 Walker Digital, Llc Pre-sale data broadcast system and method
US6959283B1 (en) * 2000-03-29 2005-10-25 Ncr Corporation Automated cafeteria
WO2002007034A1 (en) * 2000-07-19 2002-01-24 Igor Anatolievich Prostakov Global computer-aided sale system based on information network technologies

Also Published As

Publication number Publication date
AU7075598A (en) 1998-11-13
IL120710A0 (en) 1997-08-14

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