WO2017149213A1

WO2017149213A1 - Method and system for exchanging goods and services by way of a digital data transmission network

Info

Publication number: WO2017149213A1
Application number: PCT/FR2017/000040
Authority: WO
Inventors: Christian FINANCE; Sylvie FINANCE
Original assignee: FINANCE, Marine; FINANCE, Anne-Sophie; FINANCE, Gautier
Priority date: 2016-03-04
Filing date: 2017-03-03
Publication date: 2017-09-08
Also published as: FR3048539A1

Abstract

The exchange method comprises: a phase of putting up for sale during which a slip descriptive of the good or of the service to be disseminated is transmitted by the network (11) to a central system (10) which, after validation, transmits an electronic contract proposal; a phase of acceptance of the proposal by the seller including his explicit agreement that can take the form of an electronic signature; a phase of making exchange credits available in a payment server (3); a phase of searching for a product or a service to be acquired during which a search engine (2) transmits a list of identifiers of goods or services in response to the criteria provided; a phase of transaction during which a purchaser transmits an identifier of product or service to be acquired to a server for aggregating payments (5) which builds in the possibility of using the exchange credits available in the payment server (3).

Description

Method and system for exchanging goods and services via a digital data transmission network.

The present invention relates to a method and system for exchanging goods and services via a digital data transmission network. The invention applies in particular, but not exclusively, to exchanges via the Internet.

At present, there are many digital spaces offering to purchase goods and services, but the acquisition of the goods and services offered implies the possession of a payment method such as a bank card to make the payment of the goods. and services that one wishes to acquire. Excluding some people, for example hit by a banking ban, do not have a credit card or are deprived of the possibility of using it.

In an attempt to solve this problem of the inability to use a bank card as a means of payment, some services offer to exchange goods or services for other goods and services. There are many exchange grants. But these exchanges are limited to bilateral exchanges, which requires that the needs of the two parties involved in the exchange act coincide so that the exchange can be realized. Except this necessity of coincidence greatly reduces the possibilities of exchanges.

Other devices such as "Barter" systems offer multilateral exchanges using virtual units of account to facilitate exchanges, but these devices are aimed at a closed community, which requires the broadcaster of goods or services to make offers to a limited number of potential buyers to purchase goods or services from a limited number of proposals.

The present invention aims to overcome the disadvantages of having a payment card to acquire goods and services via digital data transmission networks while providing users with a solution that enables distribution of goods and services to a wider range of potential acquirers.

This objective is achieved by predicting a method and a system for exchanging goods and services via a digital transmission network to which a central system and a payment aggregation system are connected, said network digital transmission interconnecting users respectively equipped with a terminal.

According to the invention, the method comprises:

A phase of sale of a product or service, during which a descriptive sheet of a product or service to be broadcast is inserted into a database (4) and transmitted by the network (11). ) a central system (10) which, after validation, transmits in response an electronic contract proposal which may take the legal form of a mandate;

An acceptance phase of the electronic contract proposal by the broadcaster of the good or service including its explicit agreement attested by at least one personal authentication datum that may take the form of an electronic signature;

A phase of provision of credits exchanges in a payment server;

A search phase of a product or service to be purchased during which a user transmits search criteria to a search engine (2) which transmits in response a list of identifiers of products or services meeting the criteria provided;

- And a transaction phase during which a buyer transmits a product identifier or service to buy to a payment aggregation server (5), said payment aggregation server integrating at least the possibility of using credits of exchanges managed by the payment server (3).

Advantageously, the electronic contract that can take the legal form of a mandate is produced by the central system by generating content from the descriptive card of the product or service received by the central system.

The invention also relates to a system for exchanging goods and services between individuals via a digital data transmission network, comprising a central system connected to a payment aggregation server designed to aggregate payment orders. and issue payment proofs, and terminals made available to the users, the payment aggregation server, the central system and the terminals being connected to the network.

According to the invention, the central system comprises:

means for generating an electronic contract that can take the legal form of a mandate obtained from a descriptive card of a good or service, received from a user wishing to broadcast a good or a service;

- means for storing the descriptive sheets generated and in association with these, electronic contracts received from users wishing to broadcast a good or a service;

- a database containing the descriptive sheets of goods and services to be distributed, provided respectively by the users of these goods and services;

a payment server designed to manage exchange credits, to receive and execute payment orders and to deliver execution reports;

According to the invention, the exchange system also integrates a payment aggregation server comprising means for aggregating payment orders, and means for issuing payment proofs.

According to a preferred embodiment of the invention, the database is centralized and accessible to the terminals of the writing users via the central system and read by means of a search engine.

Advantageously, the network is the Internet network.

A preferred embodiment of the invention will be described hereinafter, by way of non-limiting example, with reference to the appended drawings in which:

1 schematically shows a system of an exchange of goods and services according to the invention ^v;

Figures 2 and 3 illustrate in the form of flow charts the different processing phases according to the method according to the invention.

The exchange system 15 shown in FIG. 1 comprises a central system 10, associated with a payment aggregation server 5, connected to a public data transmission network 11, and designed to offer a exchange service enabling users equipped with terminals 8 connected to the network to broadcast and acquire goods or services.

For this purpose, the central system 10 comprises a client management server 1 to which the users and the payment aggregation server 5 can connect for the purpose of identification and authentication, and a database 4 in which are stored the information necessary for the exchange service concerning users, goods and services offered for dissemination and exchange credits held by users. The client management server 1 manages the user accounts stored in the database 4. The users of the exchange system who wish to distribute goods or services must therefore first register with this service by providing the service provider. less an identifier that is associated with a password, allowing access to their respective account.

The central system 10 includes a search engine 2 to allow users to search, through the network 11, a particular property or a particular service to acquire.

The central system 10 also comprises a payment server 3 capable of receiving requests for payment in exchange credits from the payment authorization server 5 and issuing execution reports.

To enable the payment of the products or services broadcast, the exchange system 15 comprises a payment approval server 5 capable of aggregating several payment means and of communicating with the payment server. management customers 1 and the payment server 3 to use exchange credits to pay partially or totally, the good or service to acquire.

When a user has a good or a service that he wishes to broadcast, he executes on his terminal the procedure 20 illustrated in FIG. 2, this procedure being implemented by an interaction between a client software installed on the terminal 8 of each user and software installed on the client management server (1). This procedure comprises a first description phase of the good or service to be broadcast which first consists in accessing the management server 1 via the network 11 (step 21). Access to the server 1, to broadcast a good or service, triggers the execution of a procedure 22 on the server which, in step 23, transmits to the user a description form of the good or service to broadcast. This descriptive form is received in step 24 by the user who must then fill in the various fields of the form so as to describe the good or the service to be broadcast.

In the next step 25, the user validates the form that has just completed, which triggers the sending of the completed form to the server 1. In step 26, the server 1 receives the completed form. In the next step 27, the server verifies that the form is correctly filled.

If in step 28, the information provided by the user is incomplete or incorrect, the server 1 sends in step 29 to the terminal 8 an error message that signals the user the errors to be corrected so that the form can be taken into account. This message is received in step 30 by the terminal which displays it. The user then has the opportunity to redisplay the form (step 31) to complete it by commanding the return to step 24.

If the form has been correctly completed in step 28, a consistency check of the offer is performed at step 32.

If the offer is not consistent, the server 1 sends in step 33 to the terminal 8 a message indicating the changes to be made to make the proposal consistent so that it can be taken into account. This message is received in step 34 by the terminal which displays it. The user then has the possibility to redisplay the form (step 31) to modify it by commanding the return to step 24.

If the consistency check of the offer made in step 32 is positive, the server 1 generates in step 35 an electronic contract obtained from the form received in step 26.

The server 1 then records in step 36 in the database 4 the information provided in the form and the electronic contract and then transmits (step 37) to the terminal 8 the electronic contract.

In step 38, the terminal 8 of the user receives the electronic contract issued by the server 1 that the user must accept in step 39, for example by an electronic signature, which causes the issuance of the signed contract by the terminal 8 to the server 1. At the step

40, the server 1 receives the signed contract.

In step 41, the server 1 records the contract and the exchange credits associated with the contract, then issues a confirmation message 42, received at step 43 by the terminal 8.

In a decentralized variant of the system according to the invention, the exchange credits can be stored locally in the terminal .. 8 of the user, possibly in encrypted form. In this case, the database 4 is not centralized, but partially distributed on the terminals of the users.

Figure 3 illustrates the procedure for acquiring a good or a service. In a first sequence, the user executes the procedure 55 to search for the good or the service he wishes to acquire. In this perspective, the user specifies the search criteria of the good or service sought. The procedure 55 then comprises a step 56 of issuing the search form completed by the user. This completed form is received by the search engine 2 which triggers in step 57 an answer search processing in the database 4. In step 58, the search engine transmits the answers found to the user. These responses are received at Step 59 of Procedure 55.

Once the user has found the good or the service sought and wishes to acquire it, he must execute an acquisition procedure 60 on the terminal 8, which causes in step 61 an access request. to the payment aggregation server 5, which triggers the execution of a payment procedure 62 on the payment aggregation server 5 firstly comprising a step 63 of issuing a selection menu among the means of payment offered to the terminal 8 of the buying user.

In the next step 64 of the procedure 55, the terminal 8 of the buying user receives and displays the possibilities of payment means, so as to allow the user to choose his or her means of payment (step 64). Once the user has chosen a means of payment, the terminal 8 of the user displays the payment form 65 corresponding to the chosen payment means. When the user has entered the necessary information into the payment form and validates it, the user's terminal 8 issues the form (step 66) to the payment aggregation server 5. The payment form corresponding to the payment method chosen is received by the payment aggregation server 5 in step 67.

In the next step 68, the payment aggregation server verifies that the chosen payment form is correctly filled.

If in step 68, the information provided by the user is incomplete or erroneous, the payment aggregation server 5 transmits at step 69 to the terminal 8 an error message which signals to the user the errors to correct so that the form can be taken into account. This message is received in step 70 by the terminal 8 which displays it. The user then has the opportunity to redisplay the payment form corresponding to the chosen means of payment (step 65) to complete it.

If the form corresponding to the chosen means of payment has been correctly completed in step 68, the payment aggregation server checks whether the payment method chosen concerns exchange credits (EC) in step 71.

If the means of payment chosen concerns exchange credits (CE), the payment aggregation server requests the payment server 3 and transfers the payment form to it. The payment form is received by the payment server in step 72.

At the next step 73, the payment server checks if the payment by exchange credit is acceptable.

If the payment is not accepted in step 73, the payment server 3 transmits at step 74 to the payment aggregation server 5 a message which signals the impossibility of executing the payment request. This message is received in step 77 by the payment aggregation server 5 which retransmits it terminal 8. The message is received in step 78 by the terminal 8 which displays it. The user then has the opportunity to redisplay the possibilities of payment means, so as to choose his or her means of payment (step 64).

If the payment is accepted, the payment server issues a payment acceptance report 75. The payment aggregation server 5 receives the report at step 79.

In the next step 80, the payment aggregation server 5 verifies that the payment is complete.

If the payment is incomplete, the payment aggregation server 5 reports in step 81. The message is received in step 82 by the terminal 8 which displays it. The user then has the opportunity to redisplay the possibilities of payment means, so as to choose his or her means of payment (step 64) to complete his payment.

If the payment is complete, the payment aggregation server 5 executes the payment orders (step 83) and sends a report at step 84. The message is received at step 85 by the terminal 8 which displayed.

Claims

1) A method of exchanging goods and services via a digital data transmission network (11) to which a central system (10) and a payment aggregation server (5) are connected, said network digital transmission link between them user terminals (8), characterized in that it comprises:

A description phase of a product or service to be broadcast (20), during which the user terminal (8) transmits via the network (11) to the central system (10) a descriptive form of the product or service to be broadcast (20); broadcast service (25). Said descriptive sheet comprising at least one identifier associated with at least one personal authentication data item. Said descriptive card is transmitted by the network (11) to a central system (10) which, after checking the coherence of the descriptive card of the product or service to be broadcast (32), generates in response an electronic contract proposal (35) obtained from the description of the product or service to be broadcast. Said electronic contract proposal comprising at least one identifier associated with at least one personal authentication data item;

- An acceptance phase by the user terminal (8) of the electronic contract proposal, taking the form of returning the contract (39) to the client management server (1), said acceptance phase being attested by at least one identifier associated with at least one personal authentication data integrated in the reference of the contract;

A registration phase (41) of the electronic contract and the exchange credits associated with the contract electronic database (4) comprising at least one identifier associated with at least one personal authentication data;

- A search phase of descriptive sheets of a product or service (55) during which the user terminal (8) transmits search criteria via the network (11) to a search engine ( 2). The search engine (2) searches the database (4) for descriptive cards of products or services meeting these criteria, and transmits in response a list of identifiers of descriptive sheets of products or services meeting the criteria provided;

- And an electronic transaction phase during which a user terminal (8) transmits a product identifier or service to acquire and at least one identifier associated with at least one personal authentication data to a payment aggregation server ( 5), said payment aggregation server (5) integrating at least the possibility of executing electronic transactions with the payment server (3) in charge of managing the exchange credits recorded in the database (4). ), said electronic transactions comprising at least one identifier associated with at least one personal authentication data.

2) Method according to claim 1, characterized in that the acceptance of the electronic contract proposal is authenticated by an electronic signature.

3) A system for exchanging goods and services via a digital data transmission network (11), comprising a central system (10), a payment aggregation system (5), and terminals (8) users, the central system (10), the system d ¹ aggregation of payments (5) and the terminals being connected to the network, characterized in that the exchange system (15) comprises:

A central system (10) comprising:

means (1) for generating an electronic contract obtained from the descriptive card of a product or service to be broadcast received from a user terminal (8), and to transmit to the terminal the electronic contract generated ;

- a database (4) in which are stored descriptive sheets of products or services to be distributed, and in association therewith, electronic contracts obtained from descriptive sheets of products and services to be distributed;

a payment server (3) including means for managing exchange credits, receiving and executing payment orders, and means for issuing proof of payment;

And a payment aggregation server (5) comprising means for aggregating payment orders, and means for issuing proofs of payment.

4) System according to claim 3, characterized in that the database (4) is centralized and writable to the terminals (8) via the central system (10) and read via a search engine (2).

5) System according to claim 3, characterized in that the database (4) is distributed in bases local data provided in the terminals (8), each of the local databases including at least one link to a local database of another terminal.

6) System according to one of claims 3 and 5, characterized in that the database (4) is distributed in local databases provided in the terminals (8) is encrypted.

7) System according to one of claims 3 to 6, characterized in that the means for generating an electronic contract obtained from the listing of a product or a service to be broadcast include means for generating an electronic signature, the terminals (8) of the users comprising means for verifying an electronic signature transmitted by the central system (10).

8) System according to one of claims 3 to 7, characterized in that the network (11) is the Internet network.