WO2003105034A2 - System for secure data exchange in a computer network managing transfer of goods and financial counterflows between separate computerized sites - Google Patents

System for secure data exchange in a computer network managing transfer of goods and financial counterflows between separate computerized sites Download PDF

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Publication number
WO2003105034A2
WO2003105034A2 PCT/FR2003/001712 FR0301712W WO03105034A2 WO 2003105034 A2 WO2003105034 A2 WO 2003105034A2 FR 0301712 W FR0301712 W FR 0301712W WO 03105034 A2 WO03105034 A2 WO 03105034A2
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WO
WIPO (PCT)
Prior art keywords
server
site
computer
financial
goods
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PCT/FR2003/001712
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French (fr)
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WO2003105034A3 (en
Inventor
Daniel Dumas
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Netfinances Services
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Publication date
Application filed by Netfinances Services filed Critical Netfinances Services
Priority to AU2003258788A priority Critical patent/AU2003258788A1/en
Publication of WO2003105034A2 publication Critical patent/WO2003105034A2/en
Publication of WO2003105034A3 publication Critical patent/WO2003105034A3/en

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Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce

Definitions

  • the present invention relates to a secure data exchange system in a computer network for managing transfers of goods and financial compensation between separate computer sites. It allows producers to make offers of goods to distributors close to customers who can acquire the goods in question in a secure manner on a computer network. It is more particularly suited to intangible goods of the travel services type offered by tour operators to travel agencies.
  • Property management tools asdvertising, dissemination of information, offers, etc.), prices, availability and possible effective dates are known. They are generally made up of hardware computer systems with which software is associated making it possible to carry out operations for tracking said goods. These tools are generally intended to operate within a centralized company or not.
  • a centralizing body it is also possible for a centralizing body to intervene and process transactions between producers and distributors.
  • the producer sends a statement of sales, by date of departure, for all the agencies that are members of the organization, and the latter notifies, by fax, the participating distributors, of the invoices thus mentioned on the statement.
  • the latter organizes the direct debit from the distributor and the settlement of the producer.
  • the direct debit is at D + 6 days and the producer payment is 40% at D + 6 days and 60% at D + 23 days (D being the departure date).
  • D being the departure date
  • the invention provides a solution to achieve this goal and consists of a secure data exchange system in a computer network for managing transfers of goods and financial compensation between separate computer sites, a first type of sites known as producer sites. offering goods and a second type of site known as distributor sites offering said goods to customers, customers being able to order said goods under financial consideration, each of the producer sites having at least one financial account with a financial producer, each of the sites distributors having at least one financial account in a financial distributor, the goods and counterparties being materialized on the network and in the sites by computer data, the computer data concerning the goods are stored in at least one server for centralization on the computer network , said data being in the form of pages of IT presentation can be searched, retrieved, processed for action or lack of action, validated by a network browser of an IT site, the computer site also comprising a computer means of connection to the server.
  • the computer means of the computer site allow, firstly, during the connection, a first site identification with the server making it possible to establish a session on said server and in return a second identification of the server with the site, secondly , verification and creation of a certificate in the server from an identification of the user of the site transmitted by the site, the certificate based on the user identification being valid only for the date of the session and being transmitted to the computer site, and at least one page of the server includes a security identifier and when the site browser validates a page that it has retrieved and processed for action and the page contains the security identifier, the site IT transmits the certificate to the server with the page processed, the server accepting said action only if the certificate received corresponds to the one it created.
  • the goods are goods (material goods) or services (intangible goods) and the principle of immediate or deferred materialization of the good with the customer therefore depends on the type of material good or not.
  • the materialization of the good with the customer consists in the case of a service to deliver to him (immediately or later) a voucher giving right to the service and in the case of goods to deliver to him a receipt confirming the provision at his disposal of the goods (immediately or later).
  • the materialization corresponds to the immediate delivery or not of a plane ticket, in the case of a place of spectacle, to the delivery of a entry ticket, in the case of goods available from the distributor, upon delivery of the goods, and if it is not available, upon delivery of a confirmation of the order with indications on the future availability of the said goods, for example by post or from a distributor center.
  • the actions correspond in particular to orders (reservation, purchase ... from the distributor site), updates (modification, addition of offers ... from the producer site).
  • a page can contain one or more actions which can each be processed and validated or not.
  • the data include at least a description, a price and availability information, that the action is at least an order for goods, that the site is a distributor site
  • the server includes means allowing in case of acceptance of the order, on the one hand, to update the availability information according to the order, on the other hand, to confirm to the distributor site the order by creation of an order confirmation page retrieved by the browser of the distributor site and, finally, to establish invoicing, the server creating an invoice in the form of a page with security identifier retrieved by the navigator of the distributor site, said invoice page having to be validated so that the goods ordered are materialized with the customer, - the availability information is a number indicating how many goods are available, the modification of the availability information during an order action consisting of decrement er said number,
  • the system also includes a trusted third party in relation to the server and intended to store the original invoices, orders and all transactions on the server, the whole being dematerialized and authenticated by computer,
  • the financial counterpart is managed by computerized payment means enabling: - to make a direct debit from the distributor financial organization of the distributor site of an amount corresponding to the invoice, a copy of said invoice having also been transmitted from the server to said computer means of payment,
  • the system further comprises a computer trusted third party, the server and the computer sites each comprising a means making it possible to transmit to the computer trusted third party a copy of the pages stored by the recording module, said copies being stored with at least one original reference,
  • the server and / or at least one of the sites includes a means of viewing the stored pages
  • the system also comprises an IT financial intermediary between the server and the payment means, the intermediary managing the client station,
  • the means of payment comprises a means for deducting a predetermined percentage from the financial consideration in the form of an insurance sum, said insurance sum being kept with the means of payment
  • the means of payment includes automatic computer tools for direct debit and transfer, allowing the financial consideration to be stored according to one of the pre-determined dates with the means of payment, - the good is a service to be executed on a predetermined date
  • the server also stores data corresponding to said date and the debit is made according to said predetermined date, - for an execution between the first and the fifteenth of the month , including terminals, the direct debit is made on the thirtieth of the previous month, and in that for an execution between the sixteenth and the last day of the month, including limits, the direct debit is made on the fifteenth of the month,
  • the data also includes images and / or sounds intended to be presented to the customer
  • the goods are travel services and that the computer network is of the Extranet® type, - in addition, the means of payment includes means to provide loan and reimbursement services in return for the producer sites,
  • the system further comprises means making it possible to check the state of the availability information as a function of the predetermined execution date, said means allowing the producer to be able to modify his offer, (for example when goods are always available as the execution date approaches, the producer can reduce the corresponding price)
  • the system also includes means allowing to find offers from different and identical producers in their descriptions, (allows to find the lowest price or '' adjust prices down)
  • the system includes tools making it possible to extract reports from data stored in the server,
  • the system includes tools allowing to leave statistical reports of data stored in the server.
  • the invention allows the management of a reservation center and ensures the guarantee payments between travel agencies (distributors) and tour operators (producers). These activities are grouped together in a single service in a server implementing IT tools.
  • Producers and distributors who have IT resources are installed in a secure Extranet®.
  • the producer (tour operator) hosts his supply of goods on the server. He thus puts his catalog online (prices, descriptions, availabilities and stocks). It therefore offers its service directly to the distributor in the form of computer presentation pages of the type that can be viewed by I NTERN ET.
  • the distributor via a specific search engine, also called a browser, will be able to select from the set of goods on offer, the most suitable for the customer's request. He receives, in real time, the confirmation of his order (confirmation), the travel documents (materialization) and the invoice (invoicing).
  • the system's means of payment make it possible to guarantee payments to producers through a partner factoring structure in the context of credit insurance.
  • an advance of liquidity from the factoring structure to the producer is envisaged, in the form of a "revolving" account.
  • the producer can, if necessary, draw financial resources from it. This is possible thanks to a centralization of regulations which also simplifies the cash flow of producers and distributors, which gives them a financial advantage and improves productivity.
  • FIG. 1 representing a system according to the invention
  • FIG. 2 which represents an operating flow diagram of the invention.
  • the invention implements management tools installed on an I NTERN ET site (a computer server) which can host stocks, prices, availability, description, etc. , goods, tourism products, offered by producers.
  • Producers and distributors are interconnected on the server by an Extranet®.
  • the producer feeds the database, which is reserved for him on the I NTERNET server with his offers (documentation, prices, availability, etc.).
  • the server allows the storage of all tourist products: brochure management, reservation instead, congress management, so-called “receptive” hospitality, furnished accommodation, seasonal rentals, etc. These data are made available to distributors as part of an Extranet®.
  • the computer data stored or transmitted which materialize in the system the goods and the counterparties are presented to users in the form of HTML (or other) type pages which can be searched and retrieved by a browser. It is the same for order confirmations or invoices which are in the form of pages. These pages may include security identifiers which oblige the IT means to provide a certification code (certificate) during their validation so that they can be accepted by the server.
  • the browser is software installed on the client workstation (the distributor and producer workstations).
  • the browser is essentially composed of a web interface (web) which allows it to offer INTERNET functions equivalent to those of Microsoft I nternet Explorer® software while having three levels of security:
  • a distributor or supplier may have more than one certification code (certificate) depending on the privileges it needs.
  • the storage of important pages (recording of a contract) consists of saving a complete video of the pages viewed or of the operations carried out with the mouse during the transaction.
  • the browser takes care of starting the transaction, pausing if the user launches other software or stopping the transaction at the end of the contract.
  • This dated and certified contract is saved locally on the distributor's station and a copy is sent to a trusted third party.
  • the browser user depending on their rights, can view the contracts and present the evidence to their client in the event of a dispute.
  • the trusted third party who has all of the contracts may intervene in a dispute between a supplier and a distributor.
  • Important pages are identified by a security identifier.
  • the browser exchanges data between the software interface and the Web. It communicates with the server only with port 80 (http Web port). Exchanging files, images, folders, etc. pass through port 80 which avoids blocking of “Firewalls” (security gateways) in the intranet® networks of distributors or producers.
  • port 80 http Web port
  • Exchanging files, images, folders, etc. pass through port 80 which avoids blocking of “Firewalls” (security gateways) in the intranet® networks of distributors or producers.
  • proxy is not blocking for the browser since the user can set his "proxy" in the configuration parameters.
  • the system is managed by a service company which is hereinafter called NetFinances®. Installation is automated when user is identified on the website of the service company. Updates are handled automatically and at launch, the program checks the installed version and offers an update if necessary.
  • NetFinances® a service company which is hereinafter called NetFinances®.
  • a distributor In a classic configuration, a distributor has a main account with the service company and can have several secondary accounts. Each secondary account has a level of rights. Only the owner of the main account can administer the secondary accounts and modify the rights.
  • At the server of the service company there is a double identification since each browser is connected with the main account and the Web services (for each page) will be authorized according to the secondary account. Thanks to the second identification, there is full traceability which will be made available to the administrators of the main account.
  • the secondary account as well as the main account is followed by a recording of the I P address of the machine which requested the connection.
  • the browser can work with other sites and is capable of recording contracts, proposing a verification of an outstanding amount, editing quotes, invoices or registration forms for a reservation made on another site. Processing of HTML code interpretation makes it possible to execute procedures before the page is displayed.
  • the browser can also exchange XML information with the server of the service company to manage the outstanding amount and allow the centralization of payments.
  • the server When ordering a customer from a given distributor, the server returns, in the same transaction, a confirmation of the order, any travel documents to be given to the customer (vouchers, against - airplane ticket brands) which correspond to the materialization of the goods ordered, as well as the invoice for the order.
  • a means of payment is put in place.
  • This payment method is a payment structure, preferably socially independent from the network structure allowing interconnection between producers and distributors through the server.
  • the purpose of the settlement means is to collect all the accounting traffic during the supply of a service by the producer to the distributor.
  • the settlement structure is the recipient of a copy of the invoice issued by the network structure and is therefore aware, among other things, of the distributor that is the recipient of the service, of the producer concerned, of the amount of the transaction (gross, net, commission excluding VAT, VAT on any commission), the invoice date, the departure date (execution date).
  • a financial service provider is also implemented with the settlement structure.
  • This financial service provider is a "Factor” or “Factoring Company", whose mission is to collect the distributor and pay the producer. These cash movements are, of course, carried out through conventional financial intermediaries such as banks and / or credit organizations.
  • the "Factor” pays the Producer in the week following the date of invoicing. However, the invoice date must not be earlier than D-30 (D being the departure date) and if this were the case, payment would be made in the week immediately following D-30.
  • the "Factor” On receipt of the crazy weekly statement provided by the settlement structure, the "Factor” must take the 15th or 30th of each month from the Distributor.
  • the samples will be taken on the 30th for departures from 01 to 1 5 inclusive of the current month and on 1 5 for departures from 1 6 to 30 (or 31) for departures.
  • the weekly statement is preferably a computer statement in the form of a file or the result of a search in a more general file, for example, a file of the settlement structure or directly on the server.
  • the centralization of regulations is ensured thanks to the existence of a file of system users and preferably with an SI REN file of the companies concerned (distributors and producers) with financial studies.
  • each company concerned is subject to appropriate monitoring as to its financial capacity.
  • a computer server 1 connects via a computer network 6 of the Extranet® type a set of producer sites 2 (producer site 1), 2 ′ (producer site 2) and 2 " (producer site) and a set of distributor sites 2 (distributor site 1), 2 '(distributor site 2) and 2 "(distributor site d).
  • Each of the producer sites 2, 2 ', 2 " is in relation with a financial organization of the bank type 4, 4', 4", their respective relationships being symbolized by dotted arrows XX, YY, ZZ.
  • Each of the distributor sites 3, 3 ', 3 is in relation with a financial organization of the bank type 5, 5', 5", their respective relationships being symbolized by dotted arrows AA, BB, CC.
  • the producer site 2, 2 ', 2 “includes hardware and software computer tools allowing access to the server to store there offers of goods corresponding to travel services in the case of application to a tour operator system in the form of data well l, well2, ... well n in one or more files of the serverl.
  • the distributor site 3, 3 ', 3 “includes hardware IT tools (terminals, printers, order / purchase terminals ...) and software (browser) allowing at least access to the server to search and order offers of goods well there, well2, ...
  • the server includes software tools allowing, when an order is placed, to record the order, update data on the availability of the property, generate the invoicing and ensure the transmission of the invoice, confirmation and for generation of the well with the customer. These software elements are symbolized by the "confirmation”, "invoicing” and “transmission” blocks on the server 1.
  • This set of server and network means forms the network structure of the system.
  • a trusted third party 9 can also be brought into play during exchanges on the network in order to guarantee the transactions taking place there.
  • the "factor” 8 includes automated tools for ensuring transfers of the financial counterpart from the distributing financial organization 5, 5 ', 5 “(direct debit) and to the producing financial organization 4, 4', 4" (transfer) corresponding to the order. These tools are symbolized by “loan / reimbursement” (credit function), “direct debit”, “storage”, “transfer” and “insurance sum” blocks (deduction of a percentage from the financial consideration).
  • the left-hand side corresponds to the procedures executed by the IT site, whether it is a producer site for the supply of goods or a distributor site for the offer for sale to of customers.
  • the right part of Figure 2 relates to the procedures performed by the server.
  • the computer site connects to the server through the browser using an identifier (“login”) and a password. password from main account.
  • the connection is managed by the browser.
  • the server identifies the connection and opens a session and, in return, sends a second identification to the computer site which, in turn, sends back information so that the server can verify the connection and create a certificate according to the code of the employee using the site IT and, in particular, its username and password.
  • the certificate created by the server is temporary and has a lifetime corresponding to that of the connection (session).
  • the certificate is sent to the IT site by the server to be integrated into the browser.
  • the certificate integrated into the browser is returned to the server for acceptance of sensitive pages validated by the IS.
  • the collaborator of the IT site can navigate through the pages of the server, do research, retrieve pages, process them or not (which corresponds to an action , for example a purchase, an update of the offers of goods ..., or an absence of action) then validate them (preferably in the case where the action is desired).
  • the server accepts the action only if the certificate is attached and that it corresponds to the one it has created for the session.
  • a local recording in the computer site is preferably carried out for the sensitive pages.

Abstract

The invention concerns a system for secure data exchange in a computer network managing transfer of goods and financial counterflows between producer computerized sites offering goods and distributor sites proposing them, the goods and counterflows being physically represented by computerized data, the data being stored in at least one centralizing server, said data in the form of pages capable of being searched, retrieved, processed for further action or not, validated by a site browser, the site further including a computerized means for connection to the server. The invention is characterized in that the site computerized means enable, firstly, upon connection, a first site identification with the server for a session and in response a second identification of the server with the site, secondly, verification and creation of a certificate in the server based on user identification, the certificate based on user identification being valid only while the session lasts and being transmitted to the computerized site and at least one page of the server includes a security identifier and when the site browser validates a page comprising the security identifier, the computerized site transmits the certificate to the server with the processed page, the server only accepting said action if the received certificate corresponds to the one created by it.

Description

Système d'échange sécurisé de données dans un réseau informatique de gestion de transferts de biens et de contrepartie financière entre sites informatigues distincts Secure data exchange system in a computer network for the management of transfers of goods and financial compensation between separate computer sites
La présente invention concerne un système d'échange sécu risé de données dans un réseau informatique de gestion de transferts de biens et de contrepartie financière entre sites informatiques distincts. Elle permet à des producteurs de faire des offres de biens au près de distributeu rs au contact de clients qui peuvent acquérir les biens en question d'une manière sécurisée sur un réseau informatique. Elle est plus particulièrement adaptée à des biens immatériels du type prestations de voyage offertes par des voyagistes vers des agences de voyages. Des outils de gestion de biens (publicité, diffusion d'information , offres ... ), tarifs, disponibilités et éventuelles dates d'effet sont connus. Ils sont généralement constitués de systèmes informatiques matériels auxquels sont associés des logiciels permettant d'effectuer des opérations de suivi desdits biens. Ces outils sont généralement destinés à fonctionner au sein d'une entreprise centralisée ou non . Par contre, la gestion de biens entre des entreprises différentes et à finalités différentes, par exemple des fabricants ou producteurs de biens, et des revendeu rs ou distributeurs, pose de nombreuses difficultés dues au fait que les outils de gestion et les besoins de ces différentes entreprises sont différents. D'autre part, les transferts de fonds assurant la contrepartie financière posent d'autres d ifficultés dues à des contraintes cruciales quant à la sécurité des paiements. Ces outils sont donc classiquement sécurisés par mise en œuvre de procédu res de reconnaissance entre l'utilisateur et le système informatique auquel il accède. Dans le cas de systèmes informatiques répartis entre serveurs ou équipements distincts séparés par des lignes de communication et pouvant se connecter les u ns aux autres à la demande, la reconnaissance passe par l'utilisation de codes de certification lors de l'établissement de la connexion . Une fois la reconnaissance effectuée, la commu nication est établie avec échanges de données jusqu'à déconnexion, sans qu'il soit nécessaire d'effectuer à nouveau des reconnaissances.The present invention relates to a secure data exchange system in a computer network for managing transfers of goods and financial compensation between separate computer sites. It allows producers to make offers of goods to distributors close to customers who can acquire the goods in question in a secure manner on a computer network. It is more particularly suited to intangible goods of the travel services type offered by tour operators to travel agencies. Property management tools (advertising, dissemination of information, offers, etc.), prices, availability and possible effective dates are known. They are generally made up of hardware computer systems with which software is associated making it possible to carry out operations for tracking said goods. These tools are generally intended to operate within a centralized company or not. On the other hand, the management of goods between different companies and for different purposes, for example manufacturers or producers of goods, and resellers or distributors, poses many difficulties due to the fact that the management tools and the needs of these different companies are different. On the other hand, the transfer of funds ensuring the financial counterpart poses other difficulties due to crucial constraints regarding the security of payments. These tools are therefore conventionally secure by implementing recognition procedures between the user and the computer system to which he is accessing. In the case of computer systems distributed between servers or separate equipment separated by communication lines and able to connect one to the other at upon request, recognition involves the use of certification codes when establishing the connection. Once the recognition has been carried out, communication is established with data exchanges until disconnection, without it being necessary to carry out recognition again.
A titre d'exemple des difficultés de gestion , on peut considérer le cas d'une agence de voyages indépendante typique. Chaque mois, elle travaille au moins une fois avec environ 50 fournisseu rs, en dehors de la prestation de billetterie et elle a donc, globalement, 50 règlements à réaliser après avoir validé les relevés. A contrario, un fournisseur typique reçoit des commandes de près de 300 agences de voyages et il doit donc, chaque mois, percevoir 300 règlements. Pour l'une comme pour l'autre, le travail de gestion est fastidieux.As an example of management difficulties, we can consider the case of a typical independent travel agency. Each month, it works at least once with around 50 suppliers, apart from the ticketing service, and therefore has, overall, 50 payments to be made after validating the statements. Conversely, a typical supplier receives orders from nearly 300 travel agencies and must therefore collect 300 payments each month. For both, the management work is tedious.
Il est également possible qu'un organisme centralisateur intervienne et traite des transactions entre producteurs et distributeurs. Dans un tel cas, typiquement, le producteur ad resse u n relevé des ventes, par date de départ, pour toutes les agences adhérentes à l'organisme, et celui-ci prévient, par fax, les distributeurs adhérents , des factures ainsi mentionnées sur le relevé. Après un délai de 48 heu res, si aucu ne objection n'est parvenue à l'organisme, celui-ci organise le prélèvement du distributeur et le règlement du producteur. D'une manière générale, le prélèvement est à D+6 jours et le règlement prod ucteur est à 40% à D + 6 jours et à 60% à D+23 jours (D étant la date de départ). De ce fait, 60% des sommes sont donc disponibles pou r l'organisme centralisateur pendant environ 17 jours et génèrent ainsi des produits financiers. Dans un tel système, les transactions et les mouvements se font essentiellement sur papier, «à la main » .It is also possible for a centralizing body to intervene and process transactions between producers and distributors. In such a case, typically, the producer sends a statement of sales, by date of departure, for all the agencies that are members of the organization, and the latter notifies, by fax, the participating distributors, of the invoices thus mentioned on the statement. After a period of 48 hours, if no objection has been received by the organization, the latter organizes the direct debit from the distributor and the settlement of the producer. Generally, the direct debit is at D + 6 days and the producer payment is 40% at D + 6 days and 60% at D + 23 days (D being the departure date). As a result, 60% of the sums are therefore available to the centralizing body for approximately 17 days and thus generate financial products. In such a system, transactions and movements are essentially on paper, "by hand".
Outre les limitations des moyens de gestion actuels, il est souhaitable, tant du point de vue de l'efficacité de la gestion , des flux financiers et de l'utilisation des outils informatiques mis en jeu au sein d'un réseau informatique, que les producteurs soient mis en relation avec des distributeu rs permettant d'écouler leurs offres de biens et que les flux financiers en retour puissent être assurés par des outils informatisés optimisés tout en assurant la sécurité des échanges à la fois en ce qu i concerne leurs origines et leurs contenus. La sécurité devant au moins être imméd iate, en ce sens que les échanges ne doivent être possibles qu'entre des entités, systèmes ou serveurs informatiques, qui sont habilités à le faire. I l est également utile de pouvoir assurer une sécu rité pour l'avenir afin de garantir et pouvoir certifier le contenu des échanges qui se sont déroulés au sein du réseau. L'invention propose une solution permettant d'atteindre ce but et consiste en un système d'échange sécurisé de données dans un réseau informatique de gestion de transferts de biens et de contrepartie financière entre sites informatiques distincts, un premier type de sites dits sites producteurs offrant des biens et un second type de sites dits sites distributeurs proposant lesdits biens à des clients, les clients pouvant commander lesdits biens sous contrepartie financière, chacun des sites producteurs ayant au moins un compte financier dans un organisme financier prod ucteu r, chacun des sites distributeurs ayant au moins un compte financier dans un organisme financier distributeur, les biens et contreparties étant matérialisés sur le réseau et dans les sites par les données informatiques, les données informatiques concernant les biens sont stockées dans au moins un serveur pour centralisation sur le réseau informatique, lesdites données étant sous forme de pages de présentation informatique pouvant être recherchées, récupérées, traitées pour action ou absence d'action, validées par un navigateur réseau d'un site informatique, le site informatique comportant également un moyen informatique de connexion au serveur.In addition to the limitations of current management resources, it is desirable, both from the point of view of the effectiveness of the management, financial flows and the use of IT tools brought into play within a computer network, that producers are put in contact with distributors allowing them to sell their offers of goods and that financial flows in return can be ensured by optimized computerized tools while ensuring the security of exchanges both as regards their origins and their contents. Security must at least be immediate, in the sense that exchanges should only be possible between entities, systems or computer servers, which are authorized to do so. It is also useful to be able to provide security for the future in order to guarantee and be able to certify the content of the exchanges that have taken place within the network. The invention provides a solution to achieve this goal and consists of a secure data exchange system in a computer network for managing transfers of goods and financial compensation between separate computer sites, a first type of sites known as producer sites. offering goods and a second type of site known as distributor sites offering said goods to customers, customers being able to order said goods under financial consideration, each of the producer sites having at least one financial account with a financial producer, each of the sites distributors having at least one financial account in a financial distributor, the goods and counterparties being materialized on the network and in the sites by computer data, the computer data concerning the goods are stored in at least one server for centralization on the computer network , said data being in the form of pages of IT presentation can be searched, retrieved, processed for action or lack of action, validated by a network browser of an IT site, the computer site also comprising a computer means of connection to the server.
Selon l'invention , les moyens informatiques du site informatique permettent, premièrement, lors de la connexion, une première identification de site auprès du serveur permettant d'établir une session sur ledit serveur et en retour une seconde identification du serveur auprès du site, deuxièmement, une vérification et création d'un certificat dans le serveur à partir d'une identification d'utilisateu r du site transmise par le site, le certificat fonction de l'identification utilisateur n'étant valide que pour la du rée de la session et étant transmis au site informatique, et au moins une page du serveur comporte un identifiant de sécurité et que lorsque le navigateur du site valide une page qu'il a récupéré et traité pour action et que la page comporte l'identifiant de sécurité, le site informatique transmet le certificat au serveur avec la page traitée, le serveur n'acceptant ladite action que si le certificat reçu correspond à celui qu'il a crée. Dans le contexte de l'invention , les biens sont des marchandises (biens matériels) ou des services (biens immatériels) et le principe de matérialisation immédiate ou différée du bien auprès du client dépend donc du type de bien matériel ou non. Ainsi la matérialisation du bien auprès du client consiste dans le cas d'un service à lui délivrer (immédiatement ou ultérieurement) un bon donnant d roit au service et dans le cas d'une marchandise à lui délivrer un reçu confirmant la mise à sa disposition de la marchandise (immédiatement ou ultérieurement). Par exemple, dans le cas d'un bien qui est un voyage en avion, la matérialisation correspond à la délivrance immédiate ou non d'un billet d'avion , dans le cas d'une place de spectacle, à la délivrance d'un billet d'entrée, dans le cas d'une marchandise disponible auprès du distributeur, à la remise de la marchandise, et si elle n'est pas disponible, à la remise d'une confirmation de la commande avec des indications sur la future disponibilité de ladite marchandise, par exemple postale ou auprès d'un centre distributeur. Les actions correspondent notamment à des commandes (réservation, achat... du site distributeur), des mises à jour (modification, ajout d'offres... du site producteur). En pratique une page peut contenir une ou plusieu rs actions qui peuvent chacune être traitée et validée ou non .According to the invention, the computer means of the computer site allow, firstly, during the connection, a first site identification with the server making it possible to establish a session on said server and in return a second identification of the server with the site, secondly , verification and creation of a certificate in the server from an identification of the user of the site transmitted by the site, the certificate based on the user identification being valid only for the date of the session and being transmitted to the computer site, and at least one page of the server includes a security identifier and when the site browser validates a page that it has retrieved and processed for action and the page contains the security identifier, the site IT transmits the certificate to the server with the page processed, the server accepting said action only if the certificate received corresponds to the one it created. In the context of the invention, the goods are goods (material goods) or services (intangible goods) and the principle of immediate or deferred materialization of the good with the customer therefore depends on the type of material good or not. Thus the materialization of the good with the customer consists in the case of a service to deliver to him (immediately or later) a voucher giving right to the service and in the case of goods to deliver to him a receipt confirming the provision at his disposal of the goods (immediately or later). For example, in the case of a good that is a plane trip, the materialization corresponds to the immediate delivery or not of a plane ticket, in the case of a place of spectacle, to the delivery of a entry ticket, in the case of goods available from the distributor, upon delivery of the goods, and if it is not available, upon delivery of a confirmation of the order with indications on the future availability of the said goods, for example by post or from a distributor center. The actions correspond in particular to orders (reservation, purchase ... from the distributor site), updates (modification, addition of offers ... from the producer site). In practice, a page can contain one or more actions which can each be processed and validated or not.
Dans d ivers modes de mise en œuvre de l'invention , les moyens suivants pouvant être combinés selon toutes les possibilités techniquement envisageables, sont employés :In various embodiments of the invention, the following means can be combined according to all the technically possible possibilities, are used:
- les données comportent au moins un descriptif, un tarif et une information de disponibilité, que l'action est au moins une commande de bien, que le site est un site distributeur, et le serveur comporte des moyens permettant en cas d'acceptation de la commande, d 'une part, de mettre à jour l'information de disponibilité selon la commande, d'autre part, de confirmer au site distributeu r la commande par création d'u ne page de confirmation de commande récupérée par le navigateur du site distributeur et, enfin , d'établir une facturation , le serveur créant u ne facture sous forme d'une page avec identifiant de sécurité récupérée par le navigateu r du site distributeur, ladite page facture devant être validée pour que le bien commandé soit matérialisé auprès du client, - l'information de disponibilité est un nombre indiquant combien de biens sont disponibles, la modification de l'information de disponibilité lors d'une action de commande consistant à décrémenter ledit nombre,- the data include at least a description, a price and availability information, that the action is at least an order for goods, that the site is a distributor site, and the server includes means allowing in case of acceptance of the order, on the one hand, to update the availability information according to the order, on the other hand, to confirm to the distributor site the order by creation of an order confirmation page retrieved by the browser of the distributor site and, finally, to establish invoicing, the server creating an invoice in the form of a page with security identifier retrieved by the navigator of the distributor site, said invoice page having to be validated so that the goods ordered are materialized with the customer, - the availability information is a number indicating how many goods are available, the modification of the availability information during an order action consisting of decrement er said number,
- le système comporte en outre u n tiers de confiance en relation avec le serveur et destiné à stocker les originaux de factu res, commandes ainsi que de toutes transactions sur le serveur, le tout étant dématérialisé et authentifié informatiquement,- the system also includes a trusted third party in relation to the server and intended to store the original invoices, orders and all transactions on the server, the whole being dematerialized and authenticated by computer,
- en outre la contrepartie financière est gérée par un moyen informatique de règlement permettant: - d'effectuer un prélèvement chez l'organisme financier distributeur du site distributeur d'une somme correspondant à la facture, une copie de ladite facture ayant en outre été transmise du serveur vers ledit moyen informatique de règlement,- in addition, the financial counterpart is managed by computerized payment means enabling: - to make a direct debit from the distributor financial organization of the distributor site of an amount corresponding to the invoice, a copy of said invoice having also been transmitted from the server to said computer means of payment,
- de stocker la contrepartie financière auprès du moyen informatique de règlement et,- to store the financial counterpart with the IT payment means and,
- de virer la contrepartie financière vers l'organisme financier producteur ayant offert le bien, - le serveur et que les sites informatiques comportent chacun u n module d'enregistrement permettant de stocker localement l'ensemble des pages validées comportant un identifiant de sécurité avec au moins une référence temporelle, - le système comporte en outre un tiers de confiance informatique, le serveur et les sites informatiques comportant chacun u n moyen permettant de transmettre au tiers de confiance informatique une copie des pages stockées par le mod ule d'enregistrement, lesdites copies y étant stockées avec au moins une référence d'origine,- transfer the financial consideration to the producer financial organization that offered the good, - the server and that the computer sites each include a recording module making it possible to locally store all of the validated pages comprising a security identifier with at least a time reference, the system further comprises a computer trusted third party, the server and the computer sites each comprising a means making it possible to transmit to the computer trusted third party a copy of the pages stored by the recording module, said copies being stored with at least one original reference,
- le serveur et/ou au moins un des sites comporte un moyen de visualisation des pages stockées ,the server and / or at least one of the sites includes a means of viewing the stored pages,
- le système comporte en outre un interméd iaire financier informatique entre le serveur et le moyen de règlement, l'intermédiaire gérant le poste client,the system also comprises an IT financial intermediary between the server and the payment means, the intermediary managing the client station,
- en outre, le moyen de règlement comporte un moyen pour prélever un pourcentage prédéterminé sur la contrepartie financière sous forme d'u ne somme assurance, ladite somme assurance étant conservée auprès du moyen de règlement, le moyen de règlement comporte des outils informatiques automatiques pour le prélèvement et le virement, permettant de stocker selon une du rée prédéterminée la contrepartie financière auprès du moyen de règlement, - le bien est un service devant être exécuté à une date prédéterminée, le serveur stockant en outre une donnée correspondant à ladite date et le prélèvement est effectué en fonction de ladite date prédéterminée, - pour une exécution comprise entre le premier et le quinze du mois, bornes comprises, le prélèvement est effectué le trente du mois précédent, et en ce que pour une exécution comprise entre le seize et le dernier jour du mois, bornes comprises, le prélèvement est effectué le quinze du mois,- in addition, the means of payment comprises a means for deducting a predetermined percentage from the financial consideration in the form of an insurance sum, said insurance sum being kept with the means of payment, the means of payment includes automatic computer tools for direct debit and transfer, allowing the financial consideration to be stored according to one of the pre-determined dates with the means of payment, - the good is a service to be executed on a predetermined date, the server also stores data corresponding to said date and the debit is made according to said predetermined date, - for an execution between the first and the fifteenth of the month , including terminals, the direct debit is made on the thirtieth of the previous month, and in that for an execution between the sixteenth and the last day of the month, including limits, the direct debit is made on the fifteenth of the month,
- les données comportent en outre des images et/ou des sons destinés à être présentés au client,- the data also includes images and / or sounds intended to be presented to the customer,
- les biens sont des prestations de voyage et que le réseau informatique est du type Extranet®, - en outre, le moyen de règlement comporte des moyens pour assurer des services de prêts et remboursements en retour pour les sites producteurs,- the goods are travel services and that the computer network is of the Extranet® type, - in addition, the means of payment includes means to provide loan and reimbursement services in return for the producer sites,
- le système comporte en outre des moyens permettant de vérifier l'état de l'information de disponibilité en fonction de la date d'exécution prédéterminée, ledit moyen permettant au producteur de pouvoir modifier son offre, (par exemple lorsque des biens sont toujours disponibles alors que la date d'exécution approche, le producteur peut diminuer le tarif correspondant) - le système comporte en outre des moyens permettant de retrouver des offres de producteurs différents et identiques dans leurs descriptifs, (permet de retrouver le tarif le plus bas ou d'ajuster les tarifs à la baisse)- the system further comprises means making it possible to check the state of the availability information as a function of the predetermined execution date, said means allowing the producer to be able to modify his offer, (for example when goods are always available as the execution date approaches, the producer can reduce the corresponding price) - the system also includes means allowing to find offers from different and identical producers in their descriptions, (allows to find the lowest price or '' adjust prices down)
- le système comporte des outils permettant de sortir des bilans de données stockées dans le serveu r,- the system includes tools making it possible to extract reports from data stored in the server,
- le système comporte des outils permettant de sortir des bilans statistiques de données stockées dans le serveur.- the system includes tools allowing to leave statistical reports of data stored in the server.
Dans l'application de l'invention à des biens immatériels du type prestations de voyages, l'invention permet la gestion d'une centrale de réservation et permet d'assurer la garantie des paiements entre des agences de voyages (distributeurs) et des voyagistes (producteurs). Ces activités sont regroupées au sein d'un service unique dans un serveur mettant en œuvre des outils informatiques. Les producteurs et distributeurs qui possèdent des moyens informatiques sont installés dans un Extranet® sécurisé. Le producteur (tour opérateur) héberge son offre de biens dans le serveur. Il met ainsi en ligne son catalogue (tarifs, descriptifs, d ispon ibilités et stocks). Il offre ainsi directement sa prestation au distributeur sous forme de pages de présentation informatique du type consultable par I NTERN ET. Le distributeur (agence de voyages), via un moteur de recherche spécifique, encore appelé navigateur, va pouvoir sélectionner dans l'ensemble des biens proposés, le bien le plus approprié à la demande de son client. Il reçoit, en temps réel , la confirmation de sa commande (confirmation), les documents de voyage (matérialisation) et la factu re (facturation). Les moyens de règlement du système permettent de garantir les paiements aux producteurs au travers d'une structure d'affacturage partenaire dans le cadre d'une assurance crédit. Dans une variante de mise en œuvre du système, une avance de liquidités de la structure d'affacturage vers le prod ucteur est envisagée, sous la forme d'un compte « revolving » . Le producteur pourra, si besoin est, y pu iser des ressou rces financières. Ceci est possible grâce à u ne centralisation des règlements qui simplifie également les trésoreries des producteurs et des distributeurs, ce qui leur donne un avantage financier et améliore la productivité. De plus, la gestion des comptes producteu rs et distributeurs du système est faite par le système. L'authentification des documents est garantie par un procédé informatique incluant l'archivage, par un tiers de confiance, des pages I NTERN ET consultées. Dans une telle application, une commande correspond à une réservation avec contrepartie financière et s'apparente à un contrat. La présente invention va maintenant être exemplifiée en relation avec la figure 1 représentant un système selon l'invention et la Figure 2 qui représente un organigramme de fonctionnement de l'invention. L'invention met en œuvre des outils de gestion installés sur un site I NTERN ET (un serveur informatique) pouvant héberger les stocks, les tarifs, les disponibilités, le descriptif, etc. , des biens, produits touristiques, offerts par les producteurs. Un «Navigateur» compatible avec les outils informatiques des distributeurs, par exemple « Windows® 9x, NT, 2000, XP » , est installé chez les distributeurs. Les producteurs et distributeurs sont interconnectés sur le serveur par un Extranet®.In the application of the invention to intangible goods such as travel services, the invention allows the management of a reservation center and ensures the guarantee payments between travel agencies (distributors) and tour operators (producers). These activities are grouped together in a single service in a server implementing IT tools. Producers and distributors who have IT resources are installed in a secure Extranet®. The producer (tour operator) hosts his supply of goods on the server. He thus puts his catalog online (prices, descriptions, availabilities and stocks). It therefore offers its service directly to the distributor in the form of computer presentation pages of the type that can be viewed by I NTERN ET. The distributor (travel agency), via a specific search engine, also called a browser, will be able to select from the set of goods on offer, the most suitable for the customer's request. He receives, in real time, the confirmation of his order (confirmation), the travel documents (materialization) and the invoice (invoicing). The system's means of payment make it possible to guarantee payments to producers through a partner factoring structure in the context of credit insurance. In an alternative implementation of the system, an advance of liquidity from the factoring structure to the producer is envisaged, in the form of a "revolving" account. The producer can, if necessary, draw financial resources from it. This is possible thanks to a centralization of regulations which also simplifies the cash flow of producers and distributors, which gives them a financial advantage and improves productivity. In addition, the management of producer and distributor accounts of the system is done by the system. The authentication of documents is guaranteed by a computer process including the archiving, by a trusted third party, of the I NTERN AND pages consulted. In such an application, an order corresponds to a reservation with financial consideration and is similar to a contract. The present invention will now be exemplified in connection with FIG. 1 representing a system according to the invention and FIG. 2 which represents an operating flow diagram of the invention. The invention implements management tools installed on an I NTERN ET site (a computer server) which can host stocks, prices, availability, description, etc. , goods, tourism products, offered by producers. A “Browser” compatible with the distributors' IT tools, for example “Windows® 9x, NT, 2000, XP”, is installed at the distributors. Producers and distributors are interconnected on the server by an Extranet®.
Le producteu r alimente la base de données, qui lui est réservée sur le serveur I NTERNET avec ses offres (documentations, tarifs, disponibilités, etc. ). Le serveur permet le stockage de tous les produits touristiques: gestion de brochures, réservation à la place, gestion des congrès, tourisme d'accueil dit «réceptif» , location de meublés, locations saisonnières, etc. Ces données sont mises à disposition des distributeurs dans le cadre d'u n Extranet®.The producer feeds the database, which is reserved for him on the I NTERNET server with his offers (documentation, prices, availability, etc.). The server allows the storage of all tourist products: brochure management, reservation instead, congress management, so-called “receptive” hospitality, furnished accommodation, seasonal rentals, etc. These data are made available to distributors as part of an Extranet®.
Du coté des distributeurs, il y a mise à disposition d'un «navigateur» spécifique permettant l'accès sécurisé à l'Extranet® et permettant la gestion des flux de trésorerie. Le distributeur effectue, sur le serveur I NTERN ET, sa recherche du produit touristique le mieux adapté à son client, parmi l'ensemble des propositions mises à disposition par les producteurs. Une fois l'offre trouvée et acceptée par le client, il valide celle-ci par une commande. Des moyens de sécurité permettent de faire face aux intrusions d'éventuels pirates incluant les moyens trad itionnels de protection des réseaux tels que pare-feu , « proxy de base », Réseau Virtuel Privé (VPN)...On the distributors' side, there is a specific “browser” available allowing secure access to the Extranet® and allowing cash flow management. The distributor carries out, on the I NTERN ET server, his search for the tourist product best suited to his client, among all the proposals made available by the producers. Once the offer found and accepted by the customer, he validates it by an order. Security means make it possible to face the intrusions of possible hackers including the traditional means of network protection such as firewall, "basic proxy", Virtual Private Network (VPN) ...
Les données informatiques stockées ou transmises qui matérialisent dans le système les biens et les contreparties sont présentées aux utilisateurs sous forme de pages type HTML (ou autre) qui peuvent être recherchées et récupérées par un navigateur. Il en est de même pour les confirmations de commande ou factures qui se présentent sous forme de pages. Ces pages peuvent comporter des identifiants de sécu rité qui obligent le moyen informatique à fou rnir un code de certification (certificat) lors de leurs validations afin qu'elles puissent être acceptées par le serveur. Le navigateur est un logiciel installé sur le poste client (les postes du distributeur et du producteur). Il permet de se connecter au serveu r (Authentification NT/2000 sur le serveur Web -toile- (I IS ) ; d'être Identifié pour utiliser les services du système (Identifiant de sécurité sur chaque page importante) ; le stockage des contrats (commandes) lorsqu'il y a eu une validation de commande par un module de suivi (Création d'une « vidéo » de pages validées) ; d'ad ministrer plusieurs comptes internes (Comptes secondaires) ; de récupérer l'adresse I P et gérer le partage des produits, dossiers, etc. dans le réseau intranet® du distributeur ou producteur ; d'avoir des statistiques en interne pour chaque compte d u distributeu r ; d'avoir une interface logicielle simple pou r créer des produ its en HTML ; d'échanger des informations entre le serveu r et le navigateur uniquement en XML ; de faire les éditions des devis, factures, bulletins d'inscription , dossiers etc.The computer data stored or transmitted which materialize in the system the goods and the counterparties are presented to users in the form of HTML (or other) type pages which can be searched and retrieved by a browser. It is the same for order confirmations or invoices which are in the form of pages. These pages may include security identifiers which oblige the IT means to provide a certification code (certificate) during their validation so that they can be accepted by the server. The browser is software installed on the client workstation (the distributor and producer workstations). It allows you to connect to the server (NT / 2000 authentication on the Web server - web - (I IS); to be identified to use the system services (security identifier on each important page); storage of contracts ( orders) when there has been an order validation by a tracking module (Creation of a "video" of validated pages); to manage several internal accounts (Secondary accounts); to retrieve the IP address and manage sharing products, files, etc. in the intranet® network of the distributor or producer; having internal statistics for each distributor account; having a simple software interface for creating products in HTML; d '' Exchange information between the server and the browser only in XML; edit quotes, invoices, registration forms, files, etc.
Le navigateur est composé essentiellement d'une interface Web (toile) ce qui lui permet d'offrir des fonctions INTERNET équivalentes à celles du logiciel de Microsoft I nternet Explorer® tout en possédant trois niveaux de sécu rité :The browser is essentially composed of a web interface (web) which allows it to offer INTERNET functions equivalent to those of Microsoft I nternet Explorer® software while having three levels of security:
- Code de certification à l'ouverture de la connexion entre le Serveur et le Navigateu r du moyen informatique du site (chaque Distributeur et chaque Producteur possèdent un compte NT/2000 sur le serveur) ; - Code de certification en cours de session Web (réseau ) su r chaque Service et su r chaque validation, réservation , création d'un dossier (commande).- Certification code at the opening of the connection between the Server and the Navigator of the site's IT means (each Distributor and each Producer have an NT / 2000 account on the server); - Certification code during a web session (network) on each Service and on each validation, reservation, creation of a file (order).
- Stockage des pages importantes d'u ne commande et transmission d'u ne copie des pages stockées à un tiers de confiance.- Storage of important pages of an order and transmission of a copy of the stored pages to a trusted third party.
U n distributeur ou un fournisseur peut posséder plusieu rs codes de certification (certificats) en fonction des privilèges dont il a besoin . Le stockage des pages importantes (enregistrement d'un contrat) consiste à sauvegarder u ne vidéo complète des pages visualisées ou des manipulations effectuées à la souris pendant la transaction. Le navigateur s'occu pe de démarrer la transaction , de faire une pause si l'utilisateu r lance un autre logiciel ou de stopper la transaction à la fin du contrat. Ce contrat daté et certifié est enregistré en local sur le poste du distributeur et une copie est envoyée à un tiers de confiance. L'utilisateur du navigateur en fonction de ses droits, peut visualiser les contrats et présenter la preuve devant son client en cas de litige. Le tiers de confiance qui possède la totalité des contrats pourra intervenir dans un litige entre un fournisseur et un distributeur. Les pages importante sont repérées par un identifiant de sécurité.A distributor or supplier may have more than one certification code (certificate) depending on the privileges it needs. The storage of important pages (recording of a contract) consists of saving a complete video of the pages viewed or of the operations carried out with the mouse during the transaction. The browser takes care of starting the transaction, pausing if the user launches other software or stopping the transaction at the end of the contract. This dated and certified contract is saved locally on the distributor's station and a copy is sent to a trusted third party. The browser user, depending on their rights, can view the contracts and present the evidence to their client in the event of a dispute. The trusted third party who has all of the contracts may intervene in a dispute between a supplier and a distributor. Important pages are identified by a security identifier.
Le navigateur échange les données entre l'interface logiciel et le Web. I l communique avec le serveur uniquement avec le port 80 (port http Web). Les échanges de fichiers, images, dossiers etc. passent par le port 80 ce qui permet d'éviter les blocages des « Firewalls » (passerelles de sécu rité) dans les réseaux intranet® des d istributeurs ou des producteurs. L'utilisation d'un « proxy » n'est pas bloquant pour le navigateu r puisque l'utilisateur peut régler son « proxy » dans les paramètres de configuration.The browser exchanges data between the software interface and the Web. It communicates with the server only with port 80 (http Web port). Exchanging files, images, folders, etc. pass through port 80 which avoids blocking of “Firewalls” (security gateways) in the intranet® networks of distributors or producers. The use of a "proxy" is not blocking for the browser since the user can set his "proxy" in the configuration parameters.
Le système est géré par une société de service qui est appelée dans la suite NetFinances®. L'installation est automatisée lorsque l'utilisateur est identifié sur le site Web de la société de service. Les mises à jour sont gérées automatiquement et au lancement, le programme vérifie la version installée et propose une mise à jou r si nécessaire.The system is managed by a service company which is hereinafter called NetFinances®. Installation is automated when user is identified on the website of the service company. Updates are handled automatically and at launch, the program checks the installed version and offers an update if necessary.
Dans une configuration classique, u n distributeur possède un compte principal chez la société de service et peut avoir plusieurs comptes secondaires. Chaque compte secondaire possède un niveau de droit. Seul le propriétaire du compte principal peut administrer les comptes secondaires et modifier les droits. Au niveau du serveur de la société de service il y a u ne double identification puisque chaque navigateu r est connecté avec le compte principal et les services Web (pour chaque page) seront autorisés en fonction du compte secondaire. Grâce à la deuxième identification, il y a traçabilité complète qui sera mise à disposition pour les administrateurs du compte principal. Le compte secondaire ainsi que le compte principal est suivi d'un enregistrement de l'adresse I P de la machine qui a demandé la connexion .In a classic configuration, a distributor has a main account with the service company and can have several secondary accounts. Each secondary account has a level of rights. Only the owner of the main account can administer the secondary accounts and modify the rights. At the server of the service company there is a double identification since each browser is connected with the main account and the Web services (for each page) will be authorized according to the secondary account. Thanks to the second identification, there is full traceability which will be made available to the administrators of the main account. The secondary account as well as the main account is followed by a recording of the I P address of the machine which requested the connection.
Le navigateur peut travailler avec d'autres sites et il est capable d'enregistrer des contrats, de proposer une vérification d'un encours, d'éditer des devis, factures ou bulletins d'inscription pour une réservation effectuée sur un autre site. Un traitement d'interprétation du code HTML permet d'exécuter des procédures avant l'affichage de la page. Le navigateur peut aussi échanger des informations XML avec le serveur de la société de service pour gérer l'encours et permettre la centralisation des règlements.The browser can work with other sites and is capable of recording contracts, proposing a verification of an outstanding amount, editing quotes, invoices or registration forms for a reservation made on another site. Processing of HTML code interpretation makes it possible to execute procedures before the page is displayed. The browser can also exchange XML information with the server of the service company to manage the outstanding amount and allow the centralization of payments.
Lors d'une commande d'un client auprès d'un d istributeu r donné, le serveur renvoie, dans la même transaction, une confirmation de la commande, les éventuels docu ments de voyages à remettre au client (bons d'échanges, contre-marques de billets d'avion) qui correspondent à u ne matérialisation du bien commandé, ainsi que la facture de la commande. Afin d'assurer la rétribution du producteur, qui, via son site, a vendu et fourni une prestation au distributeur, un moyen de règlement est mis en place. Ce moyen de règlement est une structure de règlement, de préférence socialement indépendante de la structure réseau permettant l'interconnexion entre producteurs et distributeurs par l'intermédiaire du serveur. Le moyen de règlement a pour objet de collecter tout le trafic comptable lors de la fou rniture d'une prestation par le producteu r au distributeu r. La structure de règlement est destinataire d'u ne copie de la facture émise par la structure réseau et elle a donc connaissance, entre autres, du distributeur qu i est destinataire de la prestation, du producteur concerné, du montant de la transaction (brut, net, commission HT, TVA su r commission éventuelle), de la date de facturation, de la date de départ (date d'exécution).When ordering a customer from a given distributor, the server returns, in the same transaction, a confirmation of the order, any travel documents to be given to the customer (vouchers, against - airplane ticket brands) which correspond to the materialization of the goods ordered, as well as the invoice for the order. In order to ensure the remuneration of the producer, who, via his site, sold and provided a service to the distributor, a means of payment is put in place. This payment method is a payment structure, preferably socially independent from the network structure allowing interconnection between producers and distributors through the server. The purpose of the settlement means is to collect all the accounting traffic during the supply of a service by the producer to the distributor. The settlement structure is the recipient of a copy of the invoice issued by the network structure and is therefore aware, among other things, of the distributor that is the recipient of the service, of the producer concerned, of the amount of the transaction (gross, net, commission excluding VAT, VAT on any commission), the invoice date, the departure date (execution date).
Un prestataire financier est en outre mis en œuvre auprès de la structure de règlement. Ce prestataire financier est un «Factor» ou «Société d'Affacturage» , dont la mission consiste à prélever le distributeu r et à payer le producteur. Ces mouvements de trésorerie sont, bien évidemment, effectués à travers des intermédiaires financiers classiques du type banques et/ou organismes de crédit. Sur réception d'un relevé hebdomadaire fourni par la structure de règlement, le «Factor» paie le Producteur dans la semaine qui suit la date de la facturation . Toutefois, la date de facturation ne devra pas être antérieure à D-30 (D étant la date de départ) et si tel était le cas, le paiement serait effectué dans la semaine qui suivrait immédiatement D-30. Sur réception du relevé hebdomadaire fou rni par la structure de règlement, le «Factor» prélève impérativement le 1 5 ou le 30 de chaque mois le Distributeu r. Les prélèvements seront effectués le 30 pour les départs du 01 au 1 5 inclus du mois en cours et le 1 5 pour les départs d u 1 6 au 30 (ou 31 ) pour les départs. Le relevé hebdomadaire est de préférence un relevé informatique sous forme d'un fichier ou le résultat d'u ne recherche dans un fichier plus général , par exemple, un fichier de la structure de règlement ou directement sur le serveur.A financial service provider is also implemented with the settlement structure. This financial service provider is a "Factor" or "Factoring Company", whose mission is to collect the distributor and pay the producer. These cash movements are, of course, carried out through conventional financial intermediaries such as banks and / or credit organizations. On receipt of a weekly statement provided by the payment structure, the "Factor" pays the Producer in the week following the date of invoicing. However, the invoice date must not be earlier than D-30 (D being the departure date) and if this were the case, payment would be made in the week immediately following D-30. On receipt of the crazy weekly statement provided by the settlement structure, the "Factor" must take the 15th or 30th of each month from the Distributor. The samples will be taken on the 30th for departures from 01 to 1 5 inclusive of the current month and on 1 5 for departures from 1 6 to 30 (or 31) for departures. The weekly statement is preferably a computer statement in the form of a file or the result of a search in a more general file, for example, a file of the settlement structure or directly on the server.
La centralisation des règlements est assu rée grâce à l'existence d'un fichier des utilisateurs du système et de préférence avec u n fichier SI REN des entreprises concernées (distributeurs et producteurs) avec études financières. De préférence, grâce à la mise en place d'outils de détection et de suivi , chaque entreprise concernée fait l'objet d'une surveillance appropriée quant à ses capacités financières.The centralization of regulations is ensured thanks to the existence of a file of system users and preferably with an SI REN file of the companies concerned (distributors and producers) with financial studies. Preferably, thanks to the implementation of detection and monitoring tools, each company concerned is subject to appropriate monitoring as to its financial capacity.
Sur la Figure 1 , un serveur informatique 1 met en relation par l'intermédiaire d'un réseau informatique 6 de type Extranet® un ensemble de sites producteurs 2 (site producteu r 1 ), 2' (site producteu r 2) et 2" (site producteu r p) et un ensemble de sites distributeurs 2 (site d istributeur 1 ), 2' (site distributeur 2) et 2" (site distributeur d). Chacu n des sites producteurs 2, 2' , 2" est en relation avec un organisme financier du type banque 4, 4' , 4" , leu rs relations respectives étant symbolisées par des flèches en pointillés X-X, Y-Y, Z-Z. Chacun des sites distributeurs 3, 3' , 3" est en relation avec un organisme financier du type banque 5, 5', 5", leu rs relations respectives étant symbolisées par des flèches en pointillés A-A, B-B, C-C. Le site producteur 2 , 2' , 2" comporte des outils informatiques matériels et logiciels permettant l'accès au serveur pour y stocker des offres de biens correspondant à des prestations de voyage dans le cas de l'application à un système voyagiste sous formes de données bien l , bien2 , ... bien n dans un ou des fichiers du serveurl . Le site distributeur 3, 3', 3" comporte des outils informatiques matériels (terminaux, imprimantes, bornes de commande/achat...) et logiciels (navigateur) permettant au moins l'accès au serveur pour y rechercher et commander des offres de biens bien l , bien2, ... bien n dans un ou des fichiers du serveuM . Le serveur comporte des outils logiciels permettant lorsqu'une commande est passée, d'enregistrer la commande, mettre à jour des don nées de disponibil ité du bien , générer la facturation et assurer la transmission de la facture, de la confirmation et pour génération du bien auprès du client. Ces éléments logiciels sont symbolisés par les blocs « confirmation » , « facturation » et « transmission » su r le serveur 1 . Cet ensemble de moyens serveur et réseau forme la structure réseau du système. Un tiers de confiance 9 peut également être mis en jeu lors des échanges sur le réseau afin de garantir les transactions s'y opérant.In FIG. 1, a computer server 1 connects via a computer network 6 of the Extranet® type a set of producer sites 2 (producer site 1), 2 ′ (producer site 2) and 2 " (producer site) and a set of distributor sites 2 (distributor site 1), 2 '(distributor site 2) and 2 "(distributor site d). Each of the producer sites 2, 2 ', 2 "is in relation with a financial organization of the bank type 4, 4', 4", their respective relationships being symbolized by dotted arrows XX, YY, ZZ. Each of the distributor sites 3, 3 ', 3 "is in relation with a financial organization of the bank type 5, 5', 5", their respective relationships being symbolized by dotted arrows AA, BB, CC. The producer site 2, 2 ', 2 "includes hardware and software computer tools allowing access to the server to store there offers of goods corresponding to travel services in the case of application to a tour operator system in the form of data well l, well2, ... well n in one or more files of the serverl. The distributor site 3, 3 ', 3 "includes hardware IT tools (terminals, printers, order / purchase terminals ...) and software (browser) allowing at least access to the server to search and order offers of goods well there, well2, ... well n in one or more server files. The server includes software tools allowing, when an order is placed, to record the order, update data on the availability of the property, generate the invoicing and ensure the transmission of the invoice, confirmation and for generation of the well with the customer. These software elements are symbolized by the "confirmation", "invoicing" and "transmission" blocks on the server 1. This set of server and network means forms the network structure of the system. A trusted third party 9 can also be brought into play during exchanges on the network in order to guarantee the transactions taking place there.
Afin d'assurer la contrepartie financière de la commande, l'un des originaux de la factu ration est transmis à une structure de règlement 7 associée à u n « factor » 8. Cette structure de règlement est un donneur d'ord re au « factor » . Aucun flux financier ne transite par lui. La transmission de la facturation peut être matérialisée (listing ou fichier) ou dématérialisée (recherche et accès dans le serveur). Le « factor » 8 comporte des outils automatisés pou r assurer les transferts de la contrepartie financière à partir de l'organisme financier distributeur 5, 5' , 5" (prélèvement) et vers l'organisme financier producteur 4, 4' , 4" (virement) correspondant à la commande. Ces outils sont symbolisés par des blocs « prêt/remboursement » (fonction crédit), « prélèvement » , « stockage » , « virement » et « somme assurance » (prélèvement d'u n pourcentage sur la contrepartie financière).In order to ensure the financial compensation for the order, one of the originals of the invoice is sent to a settlement structure 7 associated with a "factor" 8. This settlement structure is a principal to the "factor " No financial flow passes through it. The transmission of the invoicing can be materialized (listing or file) or dematerialized (research and access in the server). The "factor" 8 includes automated tools for ensuring transfers of the financial counterpart from the distributing financial organization 5, 5 ', 5 "(direct debit) and to the producing financial organization 4, 4', 4" (transfer) corresponding to the order. These tools are symbolized by “loan / reimbursement” (credit function), “direct debit”, “storage”, “transfer” and “insurance sum” blocks (deduction of a percentage from the financial consideration).
Sur la Figure 2 représentant les étapes de procéd ure de fonctionnement de l'invention , la partie gauche correspond aux procédures exécutées par le site informatique, qu'il soit un site producteur pour offre de biens ou u n site distributeur pou r offre en vente auprès de clients. La partie droite de la Figure 2 concerne les procédu res exécutées par le serveu r. I nitialement le site informatique se connecte au serveur par le navigateur en utilisant u n identifiant (« login ») et un mot de passe du compte principal . La connexion est gérée par le navigateur. Le serveur identifie la connexion et ouvre une session et, en retour renvoi une deuxième identification au site informatique qui, de son coté, renvoi des informations afin que le serveur puisse vérifier la connexion et créer un certificat en fonction du code du collaborateur utilisant le site informatique et, notamment, de son identifiant et de son mot de passe. Le certificat crée par le serveur est temporaire et a une durée de vie correspondant à celle de la connexion (session). Le certificat est envoyé au site informatique par le serveur pour y être intégré dans le navigateur. Le certificat intégré dans le navigateur est renvoyé au serveu r pour acceptation des pages sensibles validées par le SI . A partir de ce moment en utilisant les services de la société de service NetFinances®, le collaborateur du site informatique peut naviguer dans les pages du serveu r, faire des recherches , récupérer des pages, les traiter ou non (ce qui correspond à une action, par exemple un achat, une mise à jou r des offres de biens ... , ou à une absence d'action) puis les valider (de préférence dans le cas où l'action est voulue). Lors de la validation, dans le cas des pages sensibles, c'est à dire qui comportent un identifiant de sécurité, le serveur n'accepte l'action que si le certificat est joint et qu'il correspond à celui qu'il a crée pour la session. De préférence, un enregistrement local dans le site informatique est de préférence effectué pour les pages sensibles. In Figure 2 representing the steps in the operating procedure for the invention, the left-hand side corresponds to the procedures executed by the IT site, whether it is a producer site for the supply of goods or a distributor site for the offer for sale to of customers. The right part of Figure 2 relates to the procedures performed by the server. First, the computer site connects to the server through the browser using an identifier (“login”) and a password. password from main account. The connection is managed by the browser. The server identifies the connection and opens a session and, in return, sends a second identification to the computer site which, in turn, sends back information so that the server can verify the connection and create a certificate according to the code of the employee using the site IT and, in particular, its username and password. The certificate created by the server is temporary and has a lifetime corresponding to that of the connection (session). The certificate is sent to the IT site by the server to be integrated into the browser. The certificate integrated into the browser is returned to the server for acceptance of sensitive pages validated by the IS. From this moment using the services of the service company NetFinances®, the collaborator of the IT site can navigate through the pages of the server, do research, retrieve pages, process them or not (which corresponds to an action , for example a purchase, an update of the offers of goods ..., or an absence of action) then validate them (preferably in the case where the action is desired). During validation, in the case of sensitive pages, that is to say which include a security identifier, the server accepts the action only if the certificate is attached and that it corresponds to the one it has created for the session. Preferably, a local recording in the computer site is preferably carried out for the sensitive pages.

Claims

REVENDICATIONS
1 . Système d'échange sécurisé de données dans un réseau informatique de gestion de transferts de biens et de contrepartie financière entre sites informatiques distincts, un premier type de sites dits sites producteurs offrant des biens et un second type de sites dits sites d istributeurs proposant lesdits biens à des clients, les clients pouvant commander lesdits biens sous contrepartie financière, chacun des sites producteurs ayant au moins un compte financier dans un organisme financier producteur, chacun des sites distributeurs ayant au moins un compte financier dans un organisme financier distributeur, les biens et contreparties étant matérialisés sur le réseau et dans les sites par les données informatiques, les données informatiques concernant les biens sont stockées dans au moins un serveur pour centralisation sur le réseau informatique, lesdites don nées étant sous forme de pages de présentation informatique pouvant être recherchées, récupérées, traitées pour action ou absence d'action , validées par un navigateur réseau d'un site informatique, le site informatique comportant également un moyen informatique de connexion au serveur, caractérisé en ce que les moyens informatiques du site informatique permettent, premièrement, lors de la connexion, une première identification de site auprès du serveur permettant d'établir une session sur ledit serveur et en retour une seconde identification du serveur auprès du site, deuxièmement, une vérification et création d'un certificat dans le serveur à partir d'une identification d'utilisateur du site transmise par le site, le certificat fonction de l'identification utilisateur n'étant valide que pour la durée de la session et étant transmis au site informatique, et en ce qu'au moins une page du serveur comporte un identifiant de sécurité et que lorsque le navigateur du site valide une page qu'il a récupéré et traité pour action et que la page comporte l'identifiant de sécurité, le site informatique transmet le certificat au serveur avec la page traitée, le serveu r n'acceptant ladite action que si le certificat reçu correspond à celui qu'il a crée.1. System for the secure exchange of data in a computer network for the management of transfers of goods and financial compensation between separate computer sites, a first type of site known as producer sites offering goods and a second type of site known as distributor sites offering said goods to customers, customers who can order said goods for financial consideration, each of the producer sites having at least one financial account in a producer financial organization, each of the distributor sites having at least one financial account in a distributor financial organization, the goods and counterparties being materialized on the network and in the sites by computer data, the computer data concerning the goods are stored in at least one server for centralization on the computer network, said data being in the form of computer presentation pages which can be searched for, retrieved , processed for action or absence of action, validated by a network browser of a computer site, the computer site also comprising a computer means of connection to the server, characterized in that the computer means of the computer site allow, firstly, during the connection , a first identification of site with the server making it possible to establish a session on said server and in return a second identification of the server with the site, secondly, a verification and creation of a certificate in the server starting from an identification of user of the site transmitted by the site, the certificate based on user identification being valid only for the duration of the session and being transmitted to the computer site, and in that at least one page of the server includes an identifier of security and when the site's browser validates a page it has retrieved and processed for action and the page includes the security identifier ité, the IT site transmits the certificate to the server with the page processed, the server only accepting this action if the received certificate corresponds to the one it created.
2. Système selon la revendication 1 , caractérisé en ce que les données comportent au moins un descriptif, un tarif et une information de disponibilité, que l'action est au moins une commande de bien , que le site est un site distributeur, et en ce que le serveur comporte des moyens permettant en cas d 'acceptation de la commande, d'une part, de mettre à jour l'information de d isponibilité selon la commande, d'autre part, de confirmer au site distributeur la commande par création d 'une page de confirmation de commande récupérée par le navigateu r du site distributeur et, enfin , d'établir une facturation, le serveur créant une facture sous forme d'une page avec identifiant de sécurité récupérée par le navigateur du site d istributeur, ladite page facture devant être validée pour que le bien commandé soit matérialisé auprès du client.2. System according to claim 1, characterized in that the data comprise at least a description, a price and availability information, that the action is at least an order for goods, that the site is a distributor site, and in what the server includes means allowing in the event of acceptance of the order, on the one hand, to update the information of availability according to the order, on the other hand, to confirm to the distributor site the order by creation an order confirmation page retrieved by the navigator from the distributor site and, finally, to establish invoicing, the server creating an invoice in the form of a page with security identifier retrieved by the browser from the distributor site, said invoice page must be validated so that the good ordered is materialized with the customer.
3. Système selon la revendication 2, caractérisé en ce qu'en outre la contrepartie financière est gérée par un moyen informatique de règlement permettant:3. System according to claim 2, characterized in that, in addition, the financial counterpart is managed by a computer payment means allowing:
- d'effectuer un prélèvement chez l'organisme financier distributeur du site distributeu r d'u ne somme correspondant à la facture, une copie de ladite facture ayant en outre été transmise du serveur vers ledit moyen informatique de règlement,- to make a direct debit from the financial distributor body of the distributing site for a sum corresponding to the invoice, a copy of said invoice having also been transmitted from the server to said computer means of payment,
- de stocker la contrepartie financière auprès du moyen informatique de règlement et,- to store the financial counterpart with the IT payment means and,
- de virer la contrepartie financière vers l'organisme financier producteur ayant offert le bien . - transfer the financial consideration to the producer financial organization that offered the good.
4. Système selon la revendication 1 , 2 ou 3 , caractérisé en ce que le serveur et que les sites informatiques comportent chacun un module d'enregistrement permettant de stocker localement l'ensemble des pages validées comportant un identifiant de sécurité avec au moins une référence temporelle. 4. System according to claim 1, 2 or 3, characterized in that the server and that the computer sites each include a recording module making it possible to locally store all of the validated pages comprising a security identifier with at least one reference time.
5. Système selon la revendication 4, caractérisé en ce qu'il comporte en outre un tiers de confiance informatique, le serveur et les sites informatiques comportant chacun un moyen permettant de transmettre au tiers de confiance informatique une copie des pages stockées par le module d'enregistrement, lesdites copies y étant stockées avec au moins une référence d'origine.5. System according to claim 4, characterized in that it further comprises a computer trusted third party, the server and the computer sites each comprising a means making it possible to transmit to the computer trusted third party a copy of the pages stored by the module d registration, said copies being stored therein with at least one original reference.
6. Système selon l'une quelconque des revendications précédentes, caractérisé en ce qu'il comporte en outre un intermédiaire financier informatique entre le serveur et le moyen de règlement, l'intermédiaire gérant le poste client.6. System according to any one of the preceding claims, characterized in that it further comprises an IT financial intermediary between the server and the payment means, the intermediary managing the client station.
7. Système selon l'une quelconque des revendications 3 à 6, caractérisé en ce que, en outre, le moyen de règlement comporte un moyen pour prélever un pourcentage prédéterminé sur la contrepartie financière sous forme d'une somme assurance, ladite somme assurance étant conservée auprès du moyen de règlement.7. System according to any one of claims 3 to 6, characterized in that, in addition, the payment means comprises means for withdrawing a predetermined percentage from the financial counterpart in the form of an insurance sum, said insurance sum being kept with the means of payment.
8. Système selon l'une quelconque des revendications 3 à 7, caractérisé en ce que, le moyen de règlement comporte des outils informatiques automatiques pour le prélèvement et le virement, permettant de stocker selon une durée prédéterminée la contrepartie financière au près du moyen de règlement.8. System according to any one of claims 3 to 7, characterized in that, the payment means comprises automatic computer tools for direct debit and transfer, making it possible to store the financial counterparty near the means of payment for a predetermined period. regulation.
9. Système selon l'une quelconque des revendications 3 à 7, caractérisé en ce que, le bien est un service devant être exécuté à u ne date prédéterminée, le serveur stockant en outre une donnée correspondant à ladite date et le prélèvement est effectué en fonction de ladite date prédéterminée. 9. System according to any one of claims 3 to 7, characterized in that, the good is a service to be executed at a predetermined date, the server also storing data corresponding to said date and the withdrawal is carried out in according to said predetermined date.
10. Système selon l'une quelconque des revendications précédentes, caractérisé en ce que, les biens sont des prestations de voyage et que le réseau informatique est du type Extranet®. 10. System according to any one of the preceding claims, characterized in that the goods are travel services and that the computer network is of the Extranet® type.
PCT/FR2003/001712 2002-06-07 2003-06-06 System for secure data exchange in a computer network managing transfer of goods and financial counterflows between separate computerized sites WO2003105034A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
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Applications Claiming Priority (2)

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FR0207038A FR2840708A1 (en) 2002-06-07 2002-06-07 System for secure data exchange in a computer network managing transfer of goods and financial counterflows between separate computerized sites, includes verification and creation of a certificate based on user identification
FR02/07038 2002-06-07

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Citations (5)

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US5850446A (en) * 1996-06-17 1998-12-15 Verifone, Inc. System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture
EP1049036A2 (en) * 1999-04-29 2000-11-02 Citibank, N.A. System and method for web trading
WO2001063567A2 (en) * 2000-02-25 2001-08-30 Identix Incorporated Secure transaction system
US20010045451A1 (en) * 2000-02-28 2001-11-29 Tan Warren Yung-Hang Method and system for token-based authentication
US20020029340A1 (en) * 1999-05-28 2002-03-07 Pensak David A. Method of encrypting information for remote access while maintaining access control

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5850446A (en) * 1996-06-17 1998-12-15 Verifone, Inc. System, method and article of manufacture for virtual point of sale processing utilizing an extensible, flexible architecture
EP1049036A2 (en) * 1999-04-29 2000-11-02 Citibank, N.A. System and method for web trading
US20020029340A1 (en) * 1999-05-28 2002-03-07 Pensak David A. Method of encrypting information for remote access while maintaining access control
WO2001063567A2 (en) * 2000-02-25 2001-08-30 Identix Incorporated Secure transaction system
US20010045451A1 (en) * 2000-02-28 2001-11-29 Tan Warren Yung-Hang Method and system for token-based authentication

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FR2840708A1 (en) 2003-12-12
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