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CN102880954B - 经由付款服务协助向电子商务商家付款的方法和体系结构 - Google Patents

经由付款服务协助向电子商务商家付款的方法和体系结构 Download PDF

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CN102880954B
CN102880954B CN201210150174.7A CN201210150174A CN102880954B CN 102880954 B CN102880954 B CN 102880954B CN 201210150174 A CN201210150174 A CN 201210150174A CN 102880954 B CN102880954 B CN 102880954B
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check
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CN102880954A (zh
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李清
康荣峻
本杰明·格雷戈·利斯特万
马克斯·R·莱维克恩
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Abstract

公开了经由付款服务协助向电子商务商家付款的方法和体系结构。该方法使得由商家容留的电子店面的顾客用户能够经由付款服务进行购买，其中电子店面和付款服务之间的交互对于用户是透明的。响应于用户的结账请求，用户的浏览器被定向到付款服务网站。可从中确定授权使用付款服务的信息可被传递到所述付款服务。然后付款服务将浏览器返回到由电子店面容留的所选择的结账流程，其中如果用户和商家被授权使用付款服务，则结账流程提供使用付款服务的选项，否则结账流程不包括付款服务选项。在一个实施例中，付款服务所提供的应用程序接口(API)被电子店面用来协助完成与付款服务之间的交易。

Description

经由付款服务协助向电子商务商家付款的方法和体系结构
本申请是2004年3月18日递交的发明名称为“经由付款服务协助向电子商务商家付款的方法和体系结构”、申请号为200480013900.4(PCT/US2004/008683)的专利申请的分案申请。
技术领域
本发明的领域一般地涉及电子商务，更具体但不排他地而言，涉及一种方法和体系结构，其提供一种用于使得电子商务商家能够在单个顾客的基础上经由第三方电子付款服务提供顾客付款的机制。
背景技术
过去的十几年见证了将万维网用于在线购买产品和服务方面的巨大发展。这种产品可经由如电子零售商这样的电子商务商家提供的网站获得。通常，电子商务网站是构建在一组网页之上的，这组网页共同构成“电子店面”。网页一般包括商家所提供的产品的电子目录(以及价格)，以及常对应于“购物车模型”的产品选择方案。为了获得购物“体验”，顾客被提供一个或多个对应于“结账”或购买交易过程的页面。此时，通常要求顾客输入付款信息，例如信用卡号和记账地址。在某些情况下，此信息的全部或部分可能已在先前的访问中被存储，并且基于用户标识而被调回，例如通过登录过程调回。在输入付款信息后，用户能够经由确认操作完成交易，所述确认操作例如是激活相应的网页上显示的“确认购买”按钮。
在大多数情况下，电子商务商家向零售顾客提供的唯一付款机制是经由信用卡。其原因有许多，包括增大收到货物付款的可能性，防欺诈以及会计结算的简单性。但是，信用卡付款并非没有代价的。对于商家，交易费被信用卡运营商(例如银行)减去，该交易费通常包括基本量加上基于整个购买价格的某个百分比(例如1.5-2％)的第二量。这对于较大的商家来说导致了相当大的花费。从顾客角度来看，也存在许多与信用卡付款相关的缺点。许多顾客厌倦了在线输入信用卡信息，因而可能不会从电子商务商家进行购买。另外，许多顾客宁愿不用信用卡来购买，或者没有信用卡可用。因此，向电子商务商家和顾客提供一种可替换的付款机制将会是有利的。理想情况下，这种可替换的付款机制应该易于用现有网络基础设施来实现。
发明内容
根据本发明的多个方面，提供了一种经由付款服务协助向电子商务商家付款的方法和体系结构。该方法使得商家所拥有的电子店面的顾客用户能够经由所述付款服务进行购买，其中电子店面和付款服务之间的交互对于用户是透明的。响应于用户的结账请求，用户的浏览器被定向到付款服务网站。可从中确定授权使用付款服务的信息可被传递到所述付款服务。然后付款服务将浏览器返回到由电子店面容留的所选择的结账流程，其中如果用户和商家被授权使用付款服务，则结账流程提供使用付款服务的选项，否则结账流程不包括付款服务选项。
在本发明的另一方面中，由付款服务提供的应用程序接口(API)被电子店面用于协助完成与付款服务之间的交易。
附图说明
通过联系附图参考以下详细描述，可更好地理解因而更容易地意识到本发明的前述方面和许多伴随优点，除非另外指明，否则附图中类似的标号在各幅图中都表示类似的部件：
图1的体系结构和网络流程图对应于根据本发明的一个实施例用于经由第三方付款服务协助实现电子商务商家付款的第一方案；
图2的流程图示出在顾客从电子商务站点进行购买期间图1的体系结构执行的操作的进一步细节；
图3示出一个网页，经由该网页商家可指定一个或多个URL，这些URL对应于购买结账过程期间顾客被重新定向到的网页；
图4的示意图示出适用于实现此处公开的本发明的实施例的传统计算机服务器。
具体实施方式
此处公开了用于协助实现对应于在线购买的货物和服务的电子付款的方法和体系结构的实施例。在以下描述中，阐述了许多特定细节，以提供对本发明的实施例的全面理解。但是，本领域的技术人员将会意识到，可在没有一个或多个特定细节的情况下或者利用其他方法、组件、材料等实现本发明。在其他情况下，未详细示出或描述公知的结构、材料或操作，以避免模糊本发明的技术方案。
在整篇说明书中，提到“一个实施例”或“实施例”是指结合该实施例描述的特定特征、结构或特性至少被包括在本发明的一个实施例中。从而，整篇说明书中各种地方出现在短语“一个实施例中”或“实施例中”不一定都是指的同一实施例。此外，特定的特征、结构或特性可按任何合适的方式而被组合在一个或多个实施例中。
根据本发明的多个方面，这里公开了用于经由第三方电子付款服务(即“付款服务”或者简单地说“服务”)协助货物或服务的付款的方法和体系结构。更具体而言，这些体系结构提供了在单个顾客的基础上经由付款服务对由电子商务商家提供的货物和服务实现付款的有效机制。这些机制使得电子商务商家能够轻松地将经由服务付款添加为已授权顾客的选项，并且将经由付款服务的交易无缝地集成到商家的结账过程中。另外，该体系结构使得能够识别被授权使用付款服务的顾客，而不必要求服务向使用这些机制的电子商务商家散发任何顾客列表等。
在一个实施例中，该机制是经由应用程序接口(API)以及与API和付款服务的使用有关的相应cookie来协助实现的。当顾客登录到付款服务的网站中时，服务cookie被发送到顾客的计算机(并且随后被存储在其上)。例如，当顾客注册以使用付款服务时，服务cookie被发送回顾客的设备(例如计算机)，以被浏览器存储在该设备上。然后该cookie被用于协助未来经由该服务进行的交易。基于服务cookie的存在，服务可确定顾客是否曾经成功登录到服务网站中。如果适当的cookie已被发送到顾客(实际上是设备)，表明顾客被授权使用该服务，则服务将会经由API建议商家允许顾客将该付款服务用于当前的购买。因此，商家将会提供适合于将该服务用作付款选项的结账过程。
对应于本发明的一个实施例的体系结构和过程流程图100在图1中示出，而进一步描述经由该体系结构执行的操作的流程图在图2中示出。该过程开始于块200处，在这里商家与付款服务签订协议，以使用付款服务API来协助经由该服务的顾客付款。然后付款服务处的管理员等使商家能够进行API访问。在一个实施例中，经由用于管理用户账户的管理工具来使商家能够进行API访问。
接下来，在块202中，商家指定其网站的返回URL。在一个实施例中，包括商家在内的付款服务的用户被允许经由该服务所容留的用户配置页面(profilepage)来提供由商家运营的各个站点的一个或多个返回URL，所述用户配置页面如图3所示。正如下文中更详细描述的那样，商家只要输入商家希望流程从付款服务站点被重新定向到的各网页的URL地址即可。
如块204所示，当商家将付款服务的API合并到其网站上的适当网页中时，允许使用API的最终步骤就完成了。这些网页通常包括通向站点的结账流程的一个或多个页面。所述一个或多个页面由图1中的商家页面1来统一表示——应该理解以下对应于商家页面1讨论的规定应该被包括在对应于结账过程的初始部分的每个网页中。此时，商家和服务网站被配置为经由付款服务协助实现顾客付款。
在之后的正在进行的操作期间，各种顾客被允许按以下方式经由付款服务为从商家购买的产品提供付款。一般而言，顾客将会经由启用web的设备访问商家网站，所述启用web的设备例如是图1所示的Macintosh计算机102、个人计算机(PC))104和膝上型计算机106。注意，这些仅是顾客可使用的典型的启用web的设备，其他设备包括但不限于PDA、便携式PC、启用web的电话、工作站等等。为了清晰起见，此处不示出或讨论用于支持非HTML浏览器的网络体系结构的增强，例如在PDA和启用web的电话中使用的微浏览器；用于将web访问延伸到这种设备的基础设施在本领域中是公知的。
继续在块206中，操作启用web的设备的顾客访问商家的网站，并且例如经由把产品“放”在电子购物车中，从而选择一件或多件产品来购买。然后顾客通过激活商家页面1上显示的适当的按钮(例如“结账”按钮108)来发起站点的结账过程。作为响应，几乎立即以对顾客透明的方式执行对应于块208、210、212和214的一组操作。
首先，在块208中，顾客(即顾客设备上的浏览器)被定向到商家页面1.3，该页面包括空白页面(就可见内容来说)。商家页面1.3被嵌入了代码，以便将设备的浏览器重新定向到由付款服务容留的页面1.6。在此操作期间，标识商家的信息(例如商家ID)被从商家的web服务器传递到服务的服务器。例如，在一个实施例中，浏览器被用具有以下格式的URL重新定向到服务的服务器：
https://<service_web_address>/cgi-bin/webscr？cmd＝_user-check&MID＝xY.com&URL＝http://www.Y.com/cgi-bin/checkoutpg2
其中<service_web_address>是付款服务的主页的地址，“MID”是与付款服务之间的商家ID，在当前示例中包括商家的主电子邮件地址(XY.com)。“URL”是顾客用户将被重新定向到的网页的返回URL。
在块210中，一旦接收到商家ID，服务服务器就检查其用户配置数据，以验证商家被允许使用API。在一个实施例中，前述URL格式中嵌入的数据提供了内建的安全措施，其中MID和URL值被对照商家的用户配置信息进行检查，以认证请求。因此，如果商家决定重命名其“页面2”URL，则商家将会需要更新在以上参考块202和图3所述的用户配置文件中输入的相应URL。如果商家未被允许使用API，则指示符经由以下讨论的回复被发送回商家服务器，以指示这一情况。
一旦验证了商家被允许使用API，则CGI(公共网关接口)命令(脚本)被在服务的服务器上执行，以解释顾客的服务cookie。结合上述重新定向到服务URL，顾客设备上的浏览器自动将cookie的复本转发回服务服务器。这是由支持cookie的新式浏览器响应于被定向到发出cookie的网站而自动完成的过程，并且该过程不要求任何客户端(即顾客设备)一侧的修改。从本质上而言，cookie只不过是web服务器发送到客户端(例如顾客设备上运行的浏览器)以存储在客户端上以供随后使用的一堆文本。每个cookie包含包括名称-值对的信息，所述名称-值对可被发出cookie的网站在随后与站点交互期间用来向站点传送信息，而无需用户完成任何动作。通常这种信息包括用户ID等。
基于商家的返回URL，CGI命令将浏览器重新定向回商家的web服务器，并回到商家页面2，该页面开始增强的结账流程。与此结合，一个回复被传递到服务器(例如在一个实施例中作为变量被嵌入在预先格式化的URL中)，该回复指示顾客是否被授权使用付款服务。在一个实施例中，各个回复变量值还用于指示认证失败以及cookie无法被解释。
商家服务器中抽取从服务页面1.6传递来的回复变量，并动态更改从商家页面2处开始的结账过程的流程。例如，如果未从顾客设备接收到cookie，则顾客不被授权使用付款服务。因此，回复将会指示这一情况，并且开始于商家页面2的结账流程的部分将会继续以不向顾客提供经由付款服务付款的选项的结账过程。相反，如果回复指示顾客是授权用户，则商家页面2将会通向一个或多个后续页面(未示出)，这些后续页面将会使用户能够经由付款服务为购买付款。通常，这些页面将由商家编码，以适合商家优选的特定结账过程。一般而言，结账过程将会响应于顾客授权利用付款服务为产品付款，而执行与付款服务之间的后台交互，以完成付款交易。此过程的进一步细节是本领域中已知的，因而这里不公开。
前述方案提供了用于使电子商务商家能够提供经由第三方付款服务的购买付款的有效机制。这对商家和顾客都是有利的。对于大多数付款服务交易，消除了与信用卡交易费相关联的花费。与信用卡类似，由付款服务发出的付款是可信的。顾客还享受到了能够以安全方式在线购买产品的益处，该安全方式不要求公开信用卡信息，甚至不要求顾客拥有信用卡。
典型服务器计算机系统
参见图4，示出了一般传统计算机服务器400，其适用于结合实现上述本发明的实施例使用。例如，计算机服务器400可用于运行商家web服务器和服务服务器上的软件模块和组件，以实现上述流程图中的操作。适用于这些用途的计算机系统的示例包括操作基于UNIX和基于LINUX操作系统的单独服务器和企业级服务器，以及运行WindowsNT或Windows2000Server操作系统的服务器。
正如本领域的技术人员一般公知的那样，计算机服务器400包括机箱402，其中安装了主板404，主板上组装了适当的集成电路，包括一个或多个处理器406和存储器(例如DIMM或SIMM)408。包括了监视器408，用于显示计算机服务器运行的软件程序和程序模块所生成的图形和文本。鼠标412(或其他定点设备)可连接到机箱402后部的串行端口(或总线端口或USB端口)，并且来自鼠标412的信号被传送到主板，以控制显示器上的光标，并选择由计算机上执行的软件程序和模块显示在监视器410上的文本、菜单选项和图形组件。另外，键盘414耦合到主板，供用户输入影响计算机上执行的软件程序的运行的文本和命令。计算机服务器400还包括网络接口卡(NIC)416或等同电路，其被内置到主板中，以使服务器能够经由诸如因特网这样的网络418发送和接收数据，以便服务器能够连接到万维网。
用于存储服务器一侧的数据，例如用户配置信息、电子目录、CGI脚本等的文本系统存储装置可经由存放在机箱402内部的多个硬盘420来实现，和/或经由存放在外部盘阵列422中的多个硬盘来实现，所述外部磁盘阵列可经由内置在主板中的SCSI卡424或等同的SCSI电路来访问。任选地，盘阵列422可通过利用适当的光纤信道接口卡(未示出)或内置电路经由光纤信道链路来访问。也可使用其他硬盘接口。
计算机服务器400一般可包括光盘只读存储器(CD-ROM)驱动器426，CD-ROM盘可被插入到该CD-ROM驱动器426中，以使得盘上的可执行文件和数据可被读取，以便被传送到存储器408中和/或硬盘420上的存储装置中。还可包括其他大容量存储设备，例如光记录介质或DVD驱动器。包括致使处理器406实现以上所讨论的实施例的操作的软件组件的机器指令通常将会被分布在软盘430或CD-ROM432(或其他存储介质)上，并且存储在一个或多个硬盘420中，直到被加载到存储器408中用于由处理器406执行。任选地，机器指令可作为载波文件经由网络418来加载。
从而，本发明的实施例可用作或用于支持一种软件程序，该软件程序在某种形式的处理核(例如CPU或计算机)之上被执行，或者以机器可读介质之上或之内以其他方式实现来实施或实现。机器可读介质包括用于存储或传输具有机器(例如计算机)可读形式的信息的任何介质。例如，机器可读介质例如可包括只读存储器(ROM)；随机访问存储器(RAM)；磁盘存储介质；光存储介质；以及闪存设备等。另外，机器可读介质可包括传播的信号，例如电、光、声或其他形式的传播的信号(例如载波、红外信号、数字信号等)。
以上对本发明的所图示的实施例的描述，包括摘要中所描述的，并不希望是穷尽性的或者将本发明限制到所公开的精确形式。虽然这里为了示例说明的目的公开了本发明的特定实施例和示例，但是正如本领域的技术人员将会意识到的那样，在本发明的范围内可做出各种等同修改。
可根据上述详细描述而对本发明做出这些修改。所附权利要求书中使用的术语不应被解释为将本发明限制到说明书和权利要求书中公开的特定实施例。相反，本发明的范围完全由所附权利要求书来确定，而权利要求书要根据已确立的权利要求解释原则来解释。

Claims (10)

1.一种在付款服务服务器处以对web使能设备的用户透明的方式对在所述用户发出电子商务结账请求期间对所述web使能设备的重新定向进行认证的方法，该方法包括：
响应于来自所述web使能设备访问由商家服务器提供的商家店面的请求，从所述商家服务器接收信息，所述商家店面嵌入有用于响应于所述结账请求将所述web使能设备的浏览器重新定向到由所述付款服务服务器提供的付款服务所容留的页面的代码，其中，所述信息包括商家标识符和返回统一资源定位符URL；
当接收到所述商家标识符时，检查所述商家的用户配置数据，以通过将所述商家标识符与所述用户配置数据中的商家标识符进行比较来所述商家能够使用所述付款服务进行验证；
如果所述商家经验证为能够使用所述付款服务，则提取嵌入在所述信息中的所述返回URL；
将从所述信息中提取的所述返回URL和与由所述商家服务器容留的结账流程中的网页相对应的参考返回URL进行比较；
识别出所述返回URL匹配所述参考返回URL；以及
如果所述返回URL匹配所述参考返回URL，则基于所述返回URL将所述web使能设备的浏览器重新定向到由所述商家服务器容留的所述结账流程中的网页，所述结账流程包括使所述用户能够使用由所述付款服务服务器提供的所述付款服务从所述商家服务器购买产品的选项；
其中，随同基于所述返回URL将所述web使能设备的浏览器重新定向到由所述商家服务器容留的所述结账流程中的网页，指示所述用户是否被授权使用所述付款服务的答复被传递给所述商家服务器，并且如果确定所述用户未被授权以使用所述付款服务，则所述结账流程不包括使所述用户能够利用由所述付款服务服务器提供的所述付款服务从所述商家服务器购买产品的选项。
2.如权利要求1所述的方法，还包括：
向所述付款服务的注册用户发出服务cookie；
从所述浏览器接收服务cookie；并且
基于所述服务cookie中包含的信息来确定所述用户是否被授权使用所述付款服务。
3.如权利要求1所述的方法，其中，所述商家标识符包括电子邮件地址。
4.如权利要求1所述的方法，还包括向所述商家服务器提供应用程序接口(API)，用于在所述商家服务器处生成基于web的结账接口。
5.如权利要求1所述的方法，还包括提供一接口以使得所述商家服务器的管理员能够向所述付款服务服务器注册多个参考返回URL。
6.一种付款服务服务器，用于以对web使能设备的用户透明的方式对在所述用户发出电子商务结账请求期间对所述web使能设备的重新定向进行认证，所述付款服务服务器包括：
用于响应于来自所述web使能设备访问由商家服务器提供的商家店面的请求，从所述商家服务器接收信息的装置，所述商家店面嵌入有用于响应于所述结账请求将所述web使能设备的浏览器重新定向到所述付款服务服务器提供的付款服务所容留的页面的代码，其中，所述信息包括商家标识符和返回统一资源定位符URL；
用于当接收到所述商家标识符时，检查所述商家的用户配置数据，以通过将所述商家标识符与所述用户配置数据中的商家标识符进行比较来对该商家能够使用所述付款服务进行验证的装置；
用于如果所述商家经验证为能够使用所述付款服务，则提取嵌入在所述信息中的所述返回URL的装置；
用于对从所述信息中提取的所述返回URL和与由所述商家服务器容留的结账流程中的网页相对应的参考返回URL进行比较的装置；
用于识别出所述返回URL匹配所述参考返回URL的装置；以及
用于如果所述返回URL匹配所述参考返回URL，则基于所述返回URL将所述web使能设备的浏览器重新定向到由所述商家服务器容留的所述结账流程中的网页的装置，所述结账流程包括使所述用户能够使用由所述付款服务服务器提供的所述付款服务从所述商家服务器购买产品的选项；以及
随同基于所述返回URL将所述web使能设备的浏览器重新定向到由所述商家服务器容留的所述结账流程中的网页，指示所述用户是否被授权使用所述付款服务的答复被传递给所述商家服务器，并且如果确定所述用户未被授权以使用所述付款服务，则所述结账流程不包括使所述用户能够使用由所述付款服务服务器提供的所述付款服务从所述商家服务器购买产品的选项。
7.如权利要求6所述的付款服务服务器，还包括：
用于向所述付款服务的注册用户发出服务cookie的装置；
用于从所述浏览器接收服务cookie的装置；并且
用于基于所述服务cookie中包含的信息来确定所述用户是否被授权使用所述付款服务的装置。
8.如权利要求6所述的付款服务服务器，其中，所述商家标识符包括电子邮件地址。
9.如权利要求6所述的付款服务服务器，还包括用于向商家服务器提供应用程序接口API以供在所述商家服务器处生成基于web的结账接口的装置。
10.如权利要求6所述的付款服务服务器，还包括用于提供一接口以使得所述商家服务器的管理员能够向所述付款服务服务器注册多个参考返回URL的装置。
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