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NL2015958B1 - Method of transferring financial transaction data to an online retailer server as well a related payment service provider server. - Google Patents

Method of transferring financial transaction data to an online retailer server as well a related payment service provider server. Download PDF

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Publication number
NL2015958B1
NL2015958B1 NL2015958A NL2015958A NL2015958B1 NL 2015958 B1 NL2015958 B1 NL 2015958B1 NL 2015958 A NL2015958 A NL 2015958A NL 2015958 A NL2015958 A NL 2015958A NL 2015958 B1 NL2015958 B1 NL 2015958B1
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Netherlands
Prior art keywords
server
payment service
order
delivery
online retailer
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NL2015958A
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Dutch (nl)
Inventor
Petrus Johannes Maria Poels Martinus
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Paycheckout Holding B V
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Priority to NL2015958A priority Critical patent/NL2015958B1/en
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Publication of NL2015958B1 publication Critical patent/NL2015958B1/en

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/083—Shipping
    • G06Q10/0833—Tracking

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  • Business, Economics & Management (AREA)
  • Economics (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Human Resources & Organizations (AREA)
  • Operations Research (AREA)
  • Quality & Reliability (AREA)
  • Tourism & Hospitality (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

Method of transferring financial transaction data to an online retailer server in relation to an order at said online retailer server by a user, using a public communication network, said method is directed to the concept that the financial data is only transferred once the order has actually been delivered to the user. The payment service provider server may decide to return the financial transaction data to the user in case no delivery has took place for a predetermined amount of time. The process of determination if delivery took place involves an fully automated process, which requires no manual user actions.

Description

Title: Method of transferring financial transaction data to an online retailer server as well a related payment service provider server.
Description
The present invention is related to a method of transferring financial transaction data to an online retailer server.
The present invention is further related to a payment service provider server arranged for transferring the financial transaction data.
Payment service providers are well known in the art. One of the basic concepts is, for example, related to the concept escrow. Escrow generally refers to financial assets held by a third-party on behalf of transacting parties, i.e. a buying party and a selling party.
An example is directed to the purchase of a second hand car, where the financial assets for the purchase are withheld by the third-party, and are release at the end of a warranty period. Another example is directed to a deposit for a property rental, where the financial assets are withheld, and released at the end of a warranty period.
Another example is related to the online retailer industry, wherein customers buy their goods online via an online retailer, i.e. a webshop. Often, a customer may select a variety of payment handling possibilities in order to complete the transaction for the goods. Such payment handling possibilities may include a bank wire transfer, a credit card transaction, or a payment in cash upon delivery of the goods.
In order to complete a transaction, a customer selects the goods from the website of the online retailer, and subsequently pays for these good, for example via a bank wire transfer. As such, the customer may be directed to the login screen of its bank where the customer has to provide its credentials. The financial aspect of the transaction, i.e. transferring the payment amount to the webshop, is completed, once the credentials of the customer have been confirmed. As such, the customer has paid for the good. The bank informs the online retailer that the payment was performed successfully, and the online retailer, subsequently, ships the ordered goods to the customer.
In stead of a bank wire transfer, the customer may also select to pay for the goods using a credit card. Basically, this allows the customer to pay for goods and/or services based on the customer’s promise to pay for them. A credit card differs from a bank wire transfer in that a credit card typically involves a third-party entity that pays the online retails and is then, subsequently, reimbursed by the consumer.
It is important for online retailers to have a trustworthy image, as typically customers only place an order at an online retailer in case the online retailer is well known, has some sort of trusted webshop seal / guarantee, has many positive customer experiences, etc.
There is always a risk, for a customer, that the online retailer does not ship the ordered goods once the payment for these goods has been received. This is especially true In case of, for example, a bank wire transfer. In such a payment method, the financial transaction is performed before the goods are to be shipped. As such, the customer needs to trust the online retailer that the goods will be shipped out to himself.
It is the object of the present invention to provide for a method which reduces the risk for the customer. That is, the customer should have faith in online retailer that the ordered goods are to be shipped.
The object is achieved in that the invention, in a first aspect thereof, provides for a method of transferring financial transaction data to an online retailer server in relation to an order at said online retailer server by a user, using a public communication network, said method comprising the steps of: receiving, by a payment service provider server, via said public communication network, a payment request for an order at said online retailer server, said payment request comprising financial transaction data relating to said order; receiving from said user, via said public communication network, by said payment service provider server, authorization for fulfilling said payment request; receiving, triggered by said authorization, via said public communication network, by said payment service provider server, said financial transaction data relating to said order; notifying said online retailer server, via said public communication network, by said payment service provider server, that said financial transaction data relating to said order has been received; receiving, via said public communication network, from a shipment delivery database, by said payment service provider server, a notification that said order has been delivered to said user; completing said order by transferring, via said public communication network, by said payment service provider server, triggered by said notification, said financial transaction data to said online retailer server.
It was the insight of the inventor that the payment service provider server of the third party should transfer the financial transaction data only in case the ordered goods have actually been received by the user. It was noted that typical shipment companies, i.e. parcel delivery companies, already digitally register and maintain information whether certain ordered goods have been delivered or not.
As such, the transferring of the financial transaction data, by said payment service provider server, is an automatic process which is triggered by the fact that the order has been actually delivered to the user. No manual labour is required for determining the delivery status of the order.
Often, a user needs to actually sign for receipt of the goods. That is, the user needs provide its signature at a tablet, a touch screen device or the like, of the delivery personal to indicate that it has received the goods. So, once the user actually received the goods, it digitally signs off for these goods at the tablet, touch screen device or the like. This receipt is then, subsequently, transferred to a shipment delivery database. This is a database maintained by the shipment company, i.e. parcel delivery company, in which records have been incorporated wherein the delivery status of each of the goods to be delivered are maintained.
For example, a user may use a well known track & trace code to look up the delivery status of its ordered goods at the shipment delivery database. The shipment delivery database is able to uniquely identify the goods, in the shipment delivery database, using the track & trace code, and to provide the shipment details thereof to the user.
The present invention provides for a connection between the shipment delivery database and the payment service provider server, in that the payment service provider server receives a notification, from the shipment delivery database, comprised by or coupled to the online retailer server, that the order has actually been delivered to the user. This acts as a trigger for the payment service provider server to actually transfer the financial transaction data to the online retailer server.
The method according to the present invention improves the certainty for a user that the ordered goods will be delivered as it ensures, i.e. regulates, that the transferring of the financial transaction data is only performed in case the ordered goods have actually been received by the user.
In accordance with the present invention, the payment service provider server automatically receives notifications for each order that has been delivered to a user, such that no manual actions need to be performed.
Further, it is noted that the payment service provider service is separate from the shipment delivery database, which are further both separate from an online retailer server. Each of these entities are maintained, i.e. controlled, by a separate organization, and are each, directly or indirectly, connected to a public communication network.
In accordance with the present invention, the financial transaction data is transferred to the online retailer server. In practical situations this may entail that the financial funds are transferred to the bank account of the online retailer.
The invention may further entail that the financial funds related to the order, are returned to the user in case no delivery has took place for a certain amount of predetermined amount of time.
In an example, the method further comprises the step of: receiving, triggered by said step of notifying, from said online retailer server, a shipment delivery code in relation to said order, said shipment delivery code being a unique reference to a delivery status of said order to said user.
The inventor noted that, typically, the user receives a shipment delivery code, for example a track & trace code, from the shipment delivery company. The shipment delivery code forms a unique reference to the delivery status of the order, i.e. the ordered goods, to the user.
The user may use such a shipment delivery code to check the status at the shipment delivery database of the goods to be delivered. The shipment delivery database may, for example, indicate that the goods are still at the distribution centre, or are actually heading to the delivery address, or are still in the warehouse or the like.
In accordance with the present invention, the delivery status at least indicates whether the goods have been delivered or not. The delivery status may further comprise other type of information, for example the expected delivery date and/or time, the identification of the person delivering the goods, the weight and/or size of the ordered goods, etc.
Here, the method may further comprise the steps of: storing said shipment delivery code, by said payment service provider server, in a shipment status database; receiving, via said public communication network, from a shipment delivery database, by said payment service provider server, a plurality of notifications each of which related to a unique shipment delivery code, and each of which indicating that a particular order has been received by a corresponding user; - correlating, by said payment service provider server, said received plurality of notifications with shipment delivery codes in said shipment status database for retrieving orders which have been delivered to corresponding users.
The shipment database is thus a database which is being controlled by the payment service provider server. That is, the shipment database is comprised by, or under control of, this server.
The key idea of this example is that the shipment delivery database sends a plurality of notifications which are each related to a unique shipment delivery code, and each indicate that a particular order has been received by a corresponding user. The payment service provider server is then able to correlate the received notifications with the shipment delivery codes in the shipment status database to check which of the financial transaction data can be transferred to the respective online retailer.
The advantage hereof is that the shipment delivery database is being relieved.
In another example, the step of receiving said notification that said order has been delivered to said user comprises any of the steps of: - polling, by said payment service provider server, at said shipment delivery database of said online retailer server, for retrieving said notification that said order has been delivered to said user, and - waiting, by said payment service provider server, until said shipment delivery database has pushed said notification to said payment service provider server.
The inventor has found that at least two viable options exist for obtaining the notification, from a shipment delivery database, that an order has been delivered. The first option is directed to a polling mechanism, wherein the payment service provider server actively polls, i.e. request, the shipment delivery database for updates with respect to one or more deliveries.
Preferably, the shipment delivery database sends updates with respect to the delivery status, i.e. the notification, to the payment service provider server. In such a case, the shipment delivery database only needs to send notifications in case an update occurs, i.e. a delivery has took place. This limits the data transfer between the delivery shipment database and the payment service provider server and it limits the request for resources at the shipment delivery database.
In another example, the method further comprises the step of: establishing, via said public communication network, a secure dedicated data communication channel between said shipment delivery database and said payment service provider server, said secure dedicated data communication channel being used for receiving said notification that said order has been delivered to said user.
The advantage of hereof is that the communication of the notifications between the shipment delivery database and the payment service provider server is secure such that the risk that another party is able to intercept these messages is reduced.
As such, this enables the possibility to transfer other type of information between the shipment delivery database and the payment service provider server.
In a further example, the method comprises the step of: - notifying said user, by said payment service provider server, via said public communication network that said financial transaction data has been transferred to said online retailer server.
The advantage hereof is that the user is made aware that the financial transaction data has been transferred from the payment service provider to the online retailer.
The payment service provider server may comprise a processor and a memory, wherein the memory comprising instructions executable by the processor, whereby the payment service provider server is operative to perform any of the methods as described above.
In the context of the present invention, a module, device, equipment or the like may also be implemented as a computer program running on the processor.
In a second aspect, the invention provides for a payment service provider server arranged to be operative in method according to any of the previous claims, said payment service provider server comprising: - receiving equipment arranged for receiving, via said public communication network, a payment request for an order at said online retailer server, said payment request comprising financial transaction data relating to said order, and for receiving from said user via said public communication network authorization for fulfilling said payment request, and for receiving, triggered by said authorization, via said public communication network, said financial transaction data relating to said order; - notify equipment arranged for notifying said online retailer server, via said public communication network, that said financial transaction data relating to said order has been received; wherein said receiving equipment is further arranged for receiving, via said public communication network, from a shipment delivery database a notification that said order has been delivered to said user, said payment service provider server further comprising: - completing equipment arranged for completing said order by transferring, via said public communication network, triggered by said notification, said financial transaction data to said online retailer server.
In an example, the receiving equipment is further arranged for receiving, triggered by said notifying, from said online retailer server, a shipment delivery code in relation to said order, said shipment delivery code being a unique reference to a delivery status of said order to said user.
In another example, the payment service provider server further comprises: - storing equipment arranged for storing said shipment delivery code in a shipment status database; and wherein said receiving equipment is further arranged for receiving, via said public communication network, from a shipment delivery database, a plurality of notifications each of which related to a unique shipment delivery code, and each of which indicating that a particular order has been received by a corresponding user; said payment service provider server further comprising: correlating equipment arranged for correlating said received plurality of notifications with shipment delivery codes in said shipment status database for retrieving orders which have been delivered to corresponding users.
In a further example, the receiving equipment is arranged for either one of: - polling at said shipment delivery database of said online retailer server, for retrieving said notification that said order has been delivered to said user, and - waiting until said shipment delivery database has pushed said notification to said payment service provider server.
In yet another example, the payment service provider server further comprises: - establishing equipment arranged for establishing, via said public communication network, a secure dedicated data communication channel between said shipment delivery database and said payment service provider server, said secure dedicated data communication channel being used for receiving said notification that said order has been delivered to said user.
In an example, the notifying equipment is further arranged for notifying said user, via said public communication network, that said financial transaction data has been transferred to said online retailer server.
The above-mentioned and other features and advantages of the invention will be best understood from the following description referring to the attached drawings. In the drawings, like reference numerals denote identical parts or parts performing an identical or comparable function or operation.
Brief description of the Drawings
Figure 1 is a flow chart illustrating a method for transferring financial transaction data in accordance with the prior art.
Figure 2 is a flow chart illustrating a method for transferring financial transaction data in accordance with the present invention.
Figure 3 is a block diagram illustrating a payment service provider server in accordance with the present invention.
Detailed description
Figure 1 is a flow chart 1 illustrating a method for transferring financial transaction data to an online retailer server in accordance with the prior art. The method starts 2 whenever a customer has decided to purchase something from the online retailer, i.e. the webshop. The customer thus intends to buy goods and/or services from the online retailer and wants the purchased goods and/or services to be delivered to an address, for example the home address of the customer.
As a first step, the customer selects the payment method 3, for example a payment method directed to a bank wire payment process. This entails that the customer pays for the selected goods upfront. The online retailer subsequently sends 4 a payment request to a payment service provider, and the customer actually transfers 5 the financial transaction data, in cooperation with the payment service provider. Next, the payment service provider checks 6 whether the payment is authorized, i.e. whether the customer has provided with its correct credentials, and whether the transferring of the financial transaction data has been performed successfully.
If this is not 7 the case, then the payment service provider notifies 9 the online retailer accordingly and the method comes to an end 10. In case the transferring of the financial transaction data was performed successfully 8, then the customer has actually transferred 12 the payment to the payment service provider, and the payment service provider subsequently notifies 12 the online retailer accordingly.
In order to complete the process for the payment service provider, it transfers 13 the financial transaction data to the online retailer, for example the bank account of the online retailer, and the method then ends 14 for the payment service provider. That is, its job has finished.
The online retailer, however, still needs to perform certain tasks. It has been informed that the transferring of the financial transaction data to the payment service provider was performed successfully, and it has actually received the financial transaction data.
The next step for the online retailer is to request a track and trace code 15 from the shipment delivery company, and to, once receiver, send an e-mail 16 to the customer with the track and trace code such that the customer is able to monitor the delivery process. The ordered goods are then to be handled by the shipment delivery company, that is the online retailer ships 17 the ordered goods handled by the shipment delivery company.
After a couple of days, or weeks, the customer 18 receives the goods from the shipment company.
The customer checks 20 whether all goods have been shipped correctly, and in case it is 21, the method comes to an end. In case the shipped goods are not accepted 19, the method starts again from the point at which the online retailer requests a track and trace code.
Figure 2 is a flow chart illustrating a method 51 for transferring financial transaction data in accordance with the present invention.
Here, the method steps indicated with reference numeral 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 15, 16, 17, 18, 19, 20, 21 and 22 have the same or a similar meaning as compared to the steps of figure 1. As such, these steps are not expressed in detail hereafter.
One of the main differences between the present invention and the prior art in accordance with figure 1, is that the payment service provider server does not 64, 65, transfer the financial transaction data to the online retailer immediately. The payment service provider server first needs to receive an indication that the goods have actually been delivered to the user / customer before it decides to transfer the financial transaction data.
As such, once the payment service provider server has notified 12 the online retailer that the transfer of the financial transaction data to the payment service provider server has been completed successfully, the payment service provider server notifies 61 the customer that the transaction data has been received.
In order to enable the invention, the payment service provider needs to receive, via a public communication network, from a shipment delivery database, a notification that said order has been delivered to said user. In the present situation, the shipment delivery company also notifies 62 the payment service provider server of the shipment by sending the track and trace code to the payment service provider server.
The payment service provider server registers 64 the track and trace code, i.e. the shipment delivery code, such that the shipment of the goods can be traced back to the financial transaction data that have been transferred.
In the present situation, the payment service provider server waits 65 until said shipment delivery database has pushed said notification 68 to said payment service provider server. Once received, 66, the payment service provider server transfers 70 the financial transaction data to the online retailer, i.e. the bank account of the online retailer, and sends a notification 71 to the customer about this process, i.e. it notifies the customer that the financial transaction data have been transferred to the online retailer.
In case the shipment confirmation 68 has not 67 been received, then the payment service provider checks 84 whether a predetermined amount of time has elapsed and that no shipments are in progress. If this requirement is not (yet) met 69, then the method returns to step 65. If this requirement is met 72, then the payment service provider server notifies 73 the customer about the financial transaction data returned that was not delivered within the predetermined amount of time, and the payment service provider server transfers the financial transaction data back again to the customer, for example the bank account of the customer. Finally, the method comes to an end 75.
Figure 3 is a block diagram illustrating a payment service provider server 101 in accordance with the present invention.
The payment service provider server 101 comprises a control unit 109 and a memory 110, which control unit 109 is connected to notify equipment 107, receiving equipment 102, completing equipment 104, storing equipment 105 and correlating equipment 106. The terminals 103, 108 indicate terminals for communicating to and/or from the payment service provider server 101.
The present invention is not limited to the embodiments as disclosed above, and can be modified and enhanced by those skilled in the art beyond the scope of the present invention as disclosed in the appended claims without having to apply inventive skills.

Claims (12)

1. Werkwijze voor het verzenden van financiële transactiedata naar een online retailer server in relatie met een order bij de online retailer server door een gebruiker, gebruikmakende van een publiek communicatienetwerk, welke werkwijze de stappen omvat van het: - ontvangen, door een betaaldienst verschaffende server, via het publieke communicatienetwerk, van een betaalverzoek voor een order bij de online retailer server, waarbij het betaalverzoek omvat financiële transactiedata met betrekking tot de order; - ontvangen van de gebruiker, via het publieke communicatienetwerk, door de betaaldienst verschaffende server, van autorisatie voor het voldoen van het betaalverzoek; - ontvangen, geïnitieerd door de autorisatie, via het publieke communicatienetwerk, door de betaaldienst verschaffende server, van de financiële transactiedata met betrekking tot de order; - notificeren van de online retailer server, via het publieke communicatienetwerk, door de betaaldienst verschaffende server, dat de financiële transactiedatum met betrekking tot de order is ontvangen; - ontvangen, via het publieke communicatienetwerk, van een afleverdatabase, door de betaaldienst verschaffende server, van een notificatie dat de order afgeleverd is aan de gebruiker; - voltooien van de order door het verzenden, via het publieke communicatienetwerk, door de betaaldienst verschaffende server, geïnitieerd door de notificatie, van de financiële transactiedata, naar de online retailer server.A method for sending financial transaction data to an online retailer server in relation to an order at the online retailer server by a user, using a public communication network, the method comprising the steps of: - receiving a payment service server , via the public communication network, a payment request for an order at the online retailer server, the payment request comprising financial transaction data relating to the order; - receiving from the user, via the public communication network, server providing payment service for payment payment authorization; - receiving, initiated by the authorization, via the public communication network, server providing payment service, the financial transaction data relating to the order; - notifying the online retailer server, via the public communications network, by the payment service server, that the financial transaction date with regard to the order has been received; - receiving, via the public communication network, a delivery database, server provided by the payment service, of a notification that the order has been delivered to the user; - completing the order by sending, via the public communication network, server providing payment service, initiated by notification, of the financial transaction data, to the online retailer server. 2. Werkwijze voor het verzenden van financiële transactiedata naar een online retailer server volgens conclusie 1, waarin de werkwijze verder de stap omvat van het: - ontvangen, geïnitieerd door de stap van het notificeren, van de online retailer server, van een aflevercode in relatie tot de order, waarbij de aflevercode een unieke referentie is naar een afleverstatus van de order naar de gebruiker.A method for sending financial transaction data to an online retailer server according to claim 1, wherein the method further comprises the step of: - receiving, initiated by the step of notifying, the online retailer server, a delivery code in relation to the order, where the delivery code is a unique reference to a delivery status of the order to the user. 3. Werkwijze voor het verzenden van financiële transactiedata naar een online retailer server volgens conclusie 2, waarin de werkwijze verder de stappen omvat van het: - opslaan van de aflevercode, door de betaaldienst verschaffende server, in een afleverstatusdatabase; - ontvangen, via het publieke communicatienetwerk, van een afleverdatabase, door de betaaldienst verschaffende server, van een veelheid van notificaties elk van welke gerelateerd is aan een unieke aflevercode, en elk van deze aangeeft dat een betreffende order is ontvangen door een overeenkomende gebruiker; - correleren, door de betaaldienst verschaffende server, van de ontvangen veelheid van notificaties met aflevercodes in de afleverstatusdatabase voor het binnenhalen van orders welke afgeleverd zijn aan overeenkomende gebruikers.A method for sending financial transaction data to an online retailer server according to claim 2, wherein the method further comprises the steps of: - storing the delivery code, server provided by the payment service, in a delivery status database; - receiving, via the public communication network, a delivery database, server providing payment service, a plurality of notifications, each of which is related to a unique delivery code, and each of which indicates that a particular order has been received by a corresponding user; correlating, by the payment service providing server, the plurality of notifications received with delivery codes in the delivery status database for retrieving orders delivered to corresponding users. 4. Werkwijze voor het verzenden van financiële transactiedata naar een online retailer server volgens een van de conclusies 2 tot en met 3, waarin de stap van het ontvangen van een notificatie dat de order afgeleverd is aan de gebruiker omvat een van de stappen van het: - pollen, door de betaaldienst verschaffende server, bij de afleverdatabase van de online retailer server, voor het binnenhalen van de notificatie dat de order afgeleverd is aan de gebruiker, en - wachten, door de betaaldienst verschaffende server, totdat de afleverdatabase de notificatie naar de betaaldienst verschaffende server heeft afgegeven.A method for sending financial transaction data to an online retailer server according to any of claims 2 to 3, wherein the step of receiving a notification that the order has been delivered to the user comprises one of the steps of: - polling, by the payment service server, at the delivery database of the online retailer server, for retrieving the notification that the order has been delivered to the user, and - waiting, by the payment service server, for the delivery database to send the notification to the user server providing payment service. 5. Werkwijze voor het verzenden van financiële transactiedata naar een online retailer server volgens een van de voorgaande conclusies, waarin de werkwijze verder de stap omvat van het: - opzetten, via het publieke communicatienetwerk, van een beveiligd toegewezen datacommunicatiekanaal tussen de afleverdatabase en de betaaldienst verschaffende server, waarbij het beveiligde toegewezen datacommunicatiekanaal gebruikt wordt voor het ontvangen van de notificatie dat de order is afgeleverd aan de gebruiker.Method for sending financial transaction data to an online retailer server according to one of the preceding claims, wherein the method further comprises the step of: - setting up, via the public communication network, a securely allocated data communication channel between the delivery database and the payment service providing server, wherein the secure assigned data communication channel is used to receive the notification that the order has been delivered to the user. 6. Werkwijze voor het verzenden van financiële transactiedata naar een online retailer server volgens een van de voorgaande conclusies, waarin de werkwijze verder de stap omvat van het: - notificeren van de gebruiker, door de betaaldienst verschaffende server, via het publieke communicatienetwerk dat de financiële transactiedata naar de online retailer server is verzonden.A method for sending financial transaction data to an online retailer server according to any of the preceding claims, wherein the method further comprises the step of: - notifying the user, server providing payment service, via the public communication network that the financial Transaction data has been sent to the online retailer server. 7. Betaaldienst verschaffende server ingericht om werkzaam te zijn in een werkwijze volgens een van de voorgaande conclusies, waarbij de betaaldienst verschaffende server omvat: - ontvangstmiddelen ingericht voor het ontvangen via het publieke communicatienetwerk, van een betaalverzoek voor een order bij de online retailer server, waarbij het betaalverzoek omvat financiële transactiedata met betrekking tot de order, en voor het ontvangen van de gebruiker via het publieke communicatienetwerk van autorisatie voor het voldoen van het betaalverzoek, en voor het ontvangen, geïnitieerd door de autorisatie, via het publieke communicatienetwerk, van de financiële transactiedata met betrekking tot de order; - notificeermiddelen ingericht voor het notificeren van de online retailer server, via het publieke communicatienetwerk, dat de financiële transactiedata met betrekking tot de order is ontvangen; waarin de ontvangstmiddelen verder zijn ingericht voor het ontvangen, via het publieke communicatienetwerk, van een afleverdatabase van een notificatie dat de order is afgeleverd aan de gebruiker; waarbij de betaaldienst verschaffende server verder omvat: - voltooimiddelen ingericht voor het voltooien van de order door het verzenden, via het publieke communicatienetwerk, geïnitieerd door de notificatie, van de financiële transactiedata naar de online retailer server.A payment service providing server adapted to operate in a method according to any of the preceding claims, wherein the payment service providing server comprises: - receiving means arranged for receiving via the public communication network, a payment request for an order at the online retailer server, wherein the payment request comprises financial transaction data relating to the order, and for receiving from the user via the public communication network authorization to satisfy the payment request, and for receiving, initiated by the authorization, via the public communication network, the financial transaction data related to the order; - notification means arranged for notifying the online retailer server, via the public communication network, that the financial transaction data relating to the order has been received; wherein the receiving means are further adapted to receive, via the public communication network, a delivery database of a notification that the order has been delivered to the user; wherein the payment service-providing server further comprises: - completion means adapted to complete the order by sending, via the public communication network, initiated by the notification, the financial transaction data to the online retailer server. 8. Betaaldienst verschaffende server volgens conclusie 7, waarin de ontvangstmiddelen verder zijn ingericht voor het ontvangen, geïnitieerd door het notificeren, van de online retailer server, van een aflevercode met betrekking tot de order, waarbij de aflevercode een unieke referentie is aan een afleverstatus van de order naar de gebruiker.A payment service-providing server according to claim 7, wherein the receiving means is further adapted to receive, from the online retailer server, notification of a delivery code with respect to the order, the delivery code being a unique reference to a delivery status of the order to the user. 9. Betaaldienst verschaffende server volgens conclusie 8, waarin de betaaldienst verschaffende server verder omvat: - opslagmiddelen ingericht voor het opslaan van de aflevercode in een afleverstatusdatabase; en waarin de ontvangstmiddelen verder zijn ingericht voor het ontvangen, via het publieke communicatienetwerk, van een afleverdatabase, van een veelheid van notificaties, elk van welke gerelateerd zijn aan een unieke aflevercode, en elk van welke aangeeft dat een betreffende order is ontvangen door een overeenkomende gebruiker; waarbij de betaaldienst verschaffende server verder omvat: correleermiddelen ingericht voor het correleren van de ontvangen veelheid van notificaties met aflevercodes in de afleverstatusdatabase voor het binnenhalen van orders welke afgeleverd zijn aan de overeenkomende gebruikers.The payment service providing server according to claim 8, wherein the payment service providing server further comprises: - storage means adapted to store the delivery code in a delivery status database; and wherein the receiving means are further adapted to receive, via the public communication network, a delivery database, a plurality of notifications, each of which is related to a unique delivery code, and each of which indicates that a particular order has been received by a corresponding user; wherein the payment service-providing server further comprises: correlating means adapted to correlate the received plurality of notifications with delivery codes in the delivery status database for retrieving orders delivered to the corresponding users. 10. Betaaldienst verschaffende server volgens een van de conclusies 8 tot en met 9, waarin de ontvangstmiddelen verder zijn ingericht voor een van het: - pollen van de afleverdatabase van de online retailer server, voor het binnenkrijgen van de notificatie dat de order is afgeleverd aan de gebruiker, en - wachten totdat de afleverdatabase de notificatie naar de betaaldienst verschaffende server heeft afgeleverd.A payment service-providing server according to any one of claims 8 to 9, wherein the receiving means are further arranged for one of: - polling the delivery database of the online retailer server, for receiving the notification that the order has been delivered to the user, and - wait until the delivery database has delivered the notification to the server providing the payment service. 11. Betaaldienst verschaffende server volgens een van de conclusies 8 tot en met 10, waarin de betaaldienst verschaffende server verder omvat: - opzetmiddelen ingericht voor het opzetten, via het publieke communicatienetwerk, van een beveiligd toegewezen datacommunicatiekanaal tussen de afleverdatabase en de betaaldienst verschaffende server, waarin het beveiligde toegewezen datacommunicatiekanaal gebruikt wordt voor het ontvangen van de notificatie dat de order afgeleverd is aan de gebruiker.Payment service-providing server according to one of claims 8 to 10, wherein the payment-service-providing server further comprises: - setting-up means arranged for setting up, via the public communication network, a securely allocated data communication channel between the delivery database and the payment-service-providing server, wherein the secure assigned data communication channel is used to receive the notification that the order has been delivered to the user. 12. Betaaldienst verschaffende server volgens een van de conclusies 8 tot en met 11, waarin de notificeermiddelen verder zijn ingericht voor het notificeren van de gebruiker, via het publieke communicatienetwerk, dat de financiële transactiedata verzonden zijn naar de online retailer server.A payment service-providing server according to any one of claims 8 to 11, wherein the notification means are further adapted to notify the user, via the public communication network, that the financial transaction data has been sent to the online retailer server.
NL2015958A 2015-12-14 2015-12-14 Method of transferring financial transaction data to an online retailer server as well a related payment service provider server. NL2015958B1 (en)

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US7426492B1 (en) * 1999-11-05 2008-09-16 American Express Travel Related Services Company, Inc. Systems and methods for facilitating commercial transactions between parties residing at remote locations
US20020087469A1 (en) * 2000-12-28 2002-07-04 Ravi Ganesan Technique of registration for and direction of electronic payments in real-time
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