MX2008001521A - Insercion de valor usando tarjeta de pago de factura preasociada con el facturador. - Google Patents

Insercion de valor usando tarjeta de pago de factura preasociada con el facturador.

Info

Publication number
MX2008001521A
MX2008001521A MX2008001521A MX2008001521A MX2008001521A MX 2008001521 A MX2008001521 A MX 2008001521A MX 2008001521 A MX2008001521 A MX 2008001521A MX 2008001521 A MX2008001521 A MX 2008001521A MX 2008001521 A MX2008001521 A MX 2008001521A
Authority
MX
Mexico
Prior art keywords
customer
bill pay
pay card
provider
goods
Prior art date
Application number
MX2008001521A
Other languages
English (en)
Inventor
Merrill Brooks Smith
Phillip C Graves
Original Assignee
E2Interactive Inc Quien Gira C
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by E2Interactive Inc Quien Gira C filed Critical E2Interactive Inc Quien Gira C
Publication of MX2008001521A publication Critical patent/MX2008001521A/es

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

La presente invención está dirigida a sistemas y métodos para insertar valor en una cuenta de cliente con un proveedor de bienes o servicios. Los métodos pueden comprender distribuir hacia un cliente una tarjeta de pago de factura en donde las tarjetas de pago de factura comprenden información suficiente para identificar al proveedor de bienes o servicios el cliente, y la cuenta del cliente con el proveedor de bienes o servicios; presentar la tarjeta de pago de factura en una ubicación de punto de venta (POS); leer u obtener de otra manera de la tarjeta de pago de factura la información en la misma, recibir valor desde el cliente, y acreditar el valor recibido desde el cliente hacia la cuenta del cliente con el proveedor de bienes o servicios. Sistemas pueden comprender una tarjeta de pago de factura; un proveedor de bienes o servicios; y un POS.
MX2008001521A 2007-02-07 2008-01-31 Insercion de valor usando tarjeta de pago de factura preasociada con el facturador. MX2008001521A (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US11/672,204 US7437328B2 (en) 2003-11-14 2007-02-07 Value insertion using bill pay card preassociated with biller

Publications (1)

Publication Number Publication Date
MX2008001521A true MX2008001521A (es) 2009-02-24

Family

ID=39313082

Family Applications (1)

Application Number Title Priority Date Filing Date
MX2008001521A MX2008001521A (es) 2007-02-07 2008-01-31 Insercion de valor usando tarjeta de pago de factura preasociada con el facturador.

Country Status (8)

Country Link
US (1) US7437328B2 (es)
EP (1) EP1956542A3 (es)
JP (1) JP2008204448A (es)
KR (1) KR20080074039A (es)
CN (1) CN101256653A (es)
AU (1) AU2008200269B2 (es)
CA (1) CA2618235C (es)
MX (1) MX2008001521A (es)

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CA2618235C (en) 2016-04-19
AU2008200269A1 (en) 2008-08-21
EP1956542A3 (en) 2009-04-22
JP2008204448A (ja) 2008-09-04
US7437328B2 (en) 2008-10-14
US20070118477A1 (en) 2007-05-24
CA2618235A1 (en) 2008-08-07
CN101256653A (zh) 2008-09-03
EP1956542A2 (en) 2008-08-13
AU2008200269B2 (en) 2010-07-01

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