WO2015145215A1 - Attribution et consommation de lignes de crédit et d'offres de fournisseur(s) permettant de payer et d'acheter des produits et/ou des services - Google Patents

Attribution et consommation de lignes de crédit et d'offres de fournisseur(s) permettant de payer et d'acheter des produits et/ou des services Download PDF

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Publication number
WO2015145215A1
WO2015145215A1 PCT/IB2014/060262 IB2014060262W WO2015145215A1 WO 2015145215 A1 WO2015145215 A1 WO 2015145215A1 IB 2014060262 W IB2014060262 W IB 2014060262W WO 2015145215 A1 WO2015145215 A1 WO 2015145215A1
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WO
WIPO (PCT)
Prior art keywords
user
credit
provider
offers
seller
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Application number
PCT/IB2014/060262
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English (en)
Inventor
Yogesh Chunilal Rathod
Original Assignee
Yogesh Chunilal Rathod
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 Yogesh Chunilal Rathod filed Critical Yogesh Chunilal Rathod
Priority to PCT/IB2014/060262 priority Critical patent/WO2015145215A1/fr
Publication of WO2015145215A1 publication Critical patent/WO2015145215A1/fr

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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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0611—Request for offers or quotes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the present invention relates generally to enabling platform where provider or seller can determine, manage, update & provide customized or personalized lines of credit & offers to users and users can request, accept, use for purchasing products/services & applications or digital items & manage line of credit & offers from provider(s) via Dynamic Card Online Account or online e-commerce account or account.
  • a credit card is a payment card issued to users as a system of payment. It allows the cardholder to pay for goods and services provided by various merchants and online web sites based on the holder's promise to pay for them.
  • the issuer of the card creates a revolving account and grants a line of credit to the consumer (or the user) from which the user can borrow money for payment to a merchant or as a cash advance to the user.
  • At present card issuer(s) and/or card network(s) and/or acquirer(s) and/or merchant facilitates user in providing short term loans, making offline & online payments for buying of goods and services to plurality types of merchants and getting small percentage of charges for providing said services and transaction.
  • the principal object of the present invention is to providing platform where provider(s) or seller(s) can determine, manage, provide & update customized line of credit & offers to users and users can request, accept, use for purchasing products/services & manage line of credit & offers from provider(s) via Dynamic Card Online Account or e-commerce account or purchase account or account.
  • the other object of the present invention is to facilitating providers or sellers or merchants to retain existing customers, maintain customer relationships & loyalty, get more sales, get advance orders & group deals, attract new customers, minimize risk of pay later based sales via updated credit scoring of each user
  • the other object of the present invention is to facilitating providers or sellers or merchants to easy to integrate "Dynamic Card as Payment mode" with seller's site, easy to accept “Dynamic Card as Payment mode” at offline store via online web site seller's account interface, when seller offer "Dynamic Card as Payment mode" on their web shop, they open up their e-doors to millions of potential consumers who prefer to pay by dynamic card. Because “Dynamic Card” is the safest and simplest way to shop online and decrease the cart abandonment rate and increase conversion, resulting in more sales. Based on our private global credit scoring, provider always update with credit worthiness of users which minimizes the risk.
  • Dynamic Card Checkout is the revolutionary payment solution that changes the way the world shops online as well as offline. With Dynamic Card Checkout, seller can offer to their customers customize or personalize line of credits, offers & all the popular payment methods in one payment solution. Ingeniously simple and friction free.
  • the other object of the present invention is to facilitating providers or sellers or merchants to with "Dynamic Card” Checkout, customers only need to provide account number and password associate with "Dynamic Card” to complete a purchase. This simplicity minimizes the risk of online cart abandonment and make easy for offline purchases. In this way, the number of steps between wanting to buy and completing the purchase is reduced to a minimum. Making the purchase process not only simpler, but also faster. Shopping on a mobile device has always been more complicated than on a desktop. While today almost 20% of all e-commerce traffic comes from shoppers using mobile, conversion is still 60% lower than those using desktops. We can develop "Dynamic Card” Checkout for desktops, smart phones and tablets, and is compatible with Apple iOS, Android and Windows Mobile/Windows 8.
  • the other object of the present invention is to facilitating providers or sellers or merchants to in order for a customer to complete a purchase only using a "Dynamic Card” Account Number & Password, for providing real-time & on-demand credit, "Dynamic Card” must perform a swift and efficient background check of the information. And it is done so thoroughly that "Dynamic Card” can assume all the risk for fraud and credit loss, for both the customer and the merchant. Based on global credit scoring seller minimizes risk for payment by customers. This means provider or sellers never need to worry about the credit and fraud risk and can focus on more important things. It is both simple and safe.
  • the other object of the present invention is to facilitating providers or sellers or merchants to increase sales via "Dynamic Card” -
  • “Dynamic Card” Account Number & Password your customers can always feel safe, because they never need to give any sensitive information such as credit card numbers and they always pay after receiving the goods.
  • the other object of the present invention is to facilitating providers or sellers or merchants to simple integration - "Dynamic Card" will offers many different integration options, regardless of whether provider or seller are an e- store offline store that has just started up or a big international organization.
  • the other object of the present invention is to facilitating providers or sellers or merchants to increase customers' buying power - "Dynamic Card" account gives customers the opportunity to decide how much of the total amount they want to pay each month. For seller or provider, this is an opportunity that can increase the number of purchases and improve customers' buying power.
  • the other object of the present invention is to facilitating providers or sellers or merchants to increase sales of seller or provider - With "Dynamic Card” account, seller have the chance to attract the strongest buying group on the market. Not only do they buy five times as much on the internet as a normal consumer, but they actively seek out the stores that offer "Dynamic Card” account
  • the other object of the present invention is to facilitating providers or sellers or merchants to gathering the customer's purchases - With "Dynamic Card” account, the customer can gather all the month's purchases together on one payment via various payment mode. This makes life easier for the customer and allows for more purchases, which increases your sales.
  • the other object of the present invention is to facilitating providers or sellers or merchants to "Dynamic Card” system can preinstalled in the shopping cart software for getting started with "Dynamic Card” as payment mode.
  • the other object of the present invention is to for providing real-time & on demand credit to customer by provider when a purchase is made by online or offline customer, we can makes a micro-credit check of the customer for providers where we are able to get enough information to decide if we suggest provider to approve or deny the purchase. The customer will receive an answer if the purchase is approved or not by provider. Final decision to allow purchase is in the hand of seller.
  • the other object of the present invention is to enabling users or customers of network to get various types of credits, line of credits and offers from multiple sources including preferred or past sellers, sellers located at user's location, sellers connected, interested, transacted, interacted with user based on past or regular purchases, goodwill, relationship, contacts, affiliations etc.
  • the other object of the present invention is to enabling users or customers of network to manage one or more types of credits, line of credits and offers from one or more sources at one place.
  • the other object of the present invention is to enabling users or customers of network to get updated credits & offers based on various factors including regular payments, total amount of purchases, referrals, participate in various programs etc.
  • the other object of the present invention is to enabling users or customers of network to no need for complicated or sensitive information like credit card numbers or passwords in making purchase.
  • the other object of the present invention is to enabling users or customers of network to always get goods first and then pay for them after purchase or delivery.
  • the other object of the present invention is to enabling users or customers of network to use variety of payment options for making payments via account in single source and in single mode.
  • the other object of the present invention is to enabling users or customers of network to first, the purchase is confirmed. Then afterwards, the customer chooses how they want to pay. Separating the buying from the actual paying simplifies the purchase process and significantly increases sales.
  • the other object of the present invention is to enabling users or customers of network to "Dynamic Card" Account allows user to collect multiple purchases from different e-stores or offline physical stores onto one convenient payment at the end of the month or particular period of time. User can also spread their payments out and decide how much they want to pay each month or particular period of time.
  • the other object of the present invention is to enabling users or customers of network to maintain & manage multiple offer cards of brands, sellers, service providers in single place.
  • the present invention is directed towards enabling provider(s) or seller(s) or merchant(s) to determine, configure, update, upgrade & provide customized or personalized one or more types of lines of credit or credit & offers to one or more or group of users or customers; present said lines of credit & offers of one or more providers to one or more or group of user(s) or customer(s); enabling user(s) or customer(s) to accept or decline or ignore said lines of credit & offers from one or more providers; and enabling user(s) or customer(s) to utilize said accepted lines of credit & offers of said provider(s) for making one or more types of payments and making payments for online or offline purchasing of products and/or services and/or applications or digital contents of/related to/ associate with/offer or listed or provided or sell by said provider or seller or merchant or affiliate via or on behalf of said provider or seller or merchant or affiliate.
  • enabling provider or seller or merchant to search, match, find, import, browse, invite, sort, filter, rank, compare, add or update to prospective list & select, select from auto matched, bookmarked, invitation accepted, categories directories or lists, referred, & suggested one or more or group(s) or set of users or customers of network for determining, configuring, updating & providing customized or personalized one or more types of lines of credit & offers.
  • enabling provider or seller or merchant to integrate pay via dynamic card or online e-commerce account or purchase account or account feature or function or button or link at online store, website, e-commerce web site or shopping cart, application, device & service for enabling online users or customers to make payment for purchased product(s) and/or service(s).
  • dynamic card issuing dynamic card to registered users of network for enabling user to purchasing of products and/or services from offline stores, wherein dynamic card comprises user's online e-commerce or purchase account number, password, details required for making payments and other authentication information.
  • enabling provider or seller or merchant to accept dynamic card via online interface, web site, web page or application of said registered provider or seller or merchant for accessing dynamic card associate online e-commerce account or purchase account or user account for making said dynamic card holder's or user's or customer's purchase transaction(s) with said provider or seller or merchant.
  • enabling provider or seller or merchant to provide real-time or on- demand or while purchasing or at the end of purchased products and services provide one or more type(s) of credits, lines of credit & offers to user or customer for purchasing of currently purchased products and/or services or purchase products and/or services in future based on provided one or more type(s) of credits, lines of credit & offers.
  • provider or seller or merchant In another embodiment enable provider or seller or merchant to monitor & track payments of users (dues & paid), view orders & invoices, sent notifications or alerts to users or customers in the events of late payment.
  • enabling user to make one source payments as per terms & conditions of one or more types of accepted credit lines & offers of one or more providers via one or more types of payment modes including pay via account, pay by other users on behalf of user, pay via credit or debit card, cash & net banking, pay by mobile and one or more other types of payment modes and any combination thereof.
  • enabling user to view orders, detail invoices, source wise or total payments dues, last payments & minimum payments, interest, dynamic card or online or offline e-commerce or purchase account detail statement.
  • enabling provider or seller or merchant to list one or more products and/or services with one or more types of credit lines & offers for users of network.
  • the dynamic card holder or e-commerce account or purchase account or payment account or account user is sent a statement indicating card holder account number, name, address, billing period, statement data, payment due date, current amount due, minimum amount due, balance summary including previous balance, payment received, new purchase, cash advance, finance charges, credit line, credit available, new balance, minimum payment due, reward summary including redeemable points, vouchers, coupons, Gift Certificates, gifts & various schemes & offers, the total purchases undertaken with the card, any outstanding fees, and the total amount owed for all and/or each or group(s) of purchased product(s) and/or service(s) with details, reference number, transaction date, amount of purchase, related minimum dues and total number of installments, each installment amount.
  • the cardholder or account holder must pay a defined minimum portion of the amount owed by a due date, or may choose to pay a higher amount up to the entire amount owed which may be greater than the amount billed via one or more types of payment modes including debit card, credit card, cash, net banking, account & pay via mobile.
  • the credit issuer charges interest on the unpaid balance if the billed amount is not paid in full.
  • the issuer may impose a "late fee" and/or other penalties on the user.
  • some providers or financial institutions can arrange for automatic payments to be deducted from the user's bank accounts, thus avoiding such penalties altogether as long as the cardholder has sufficient funds.
  • Provider can also offer the option of electronic statements, either in lieu of or in addition to physical statements, which can be viewed at any time by the cardholder or account holder via the online website or application. Notification of the availability of a new statement is generally sent to the cardholder's or account holder's email address. If the credit lines & offer issuer has chosen to allow it, the cardholder or account holder may have other options for payment besides a physical check, such as an electronic transfer of funds from a checking account. Depending on the provider or issuer, the cardholder or account holder may also be able to make multiple payments during a single statement period, possibly enabling him or her to utilize the credit limit on the card or account several times over.
  • a periodic cardholder or customer statement includes opening balance, invoices, payments, credit memos, debit memos, and ending balance for the customer's account during a specified period.
  • a monthly statement can be used as a summary invoice to request a single payment for accrued monthly charges.
  • users may apply for dynamic card or online payment account based on details provided by user and verification of provided details including duly accomplished and signed application form, personnel or profile details, income statements or proof of income including Certificate of Employment stating hire date, position and compensation, Employment Contract, Letter of Appointment, Notice of Salary Increase, Latest Payslip/s showing one month income, Latest Credit Card Statement, Tax Return (most recent and full-year), Audited Financial statements, Proof of Identification including Passport, Driver's License, Company ID and any other qualified or authorized identities, list of payments/charge/credit/debit/products & services cards, past cash expenses for & list of purchased branded and/or un-branded or local products and/or subscribed services, capacity of keeping minimum deposits at bank account for purchasing products and/or subscribing services, past history of other credit cards, requirement of saving account, available details of historical purchase transactions, requirements & preferences of products & services, current loans, debts, and other Eligibility Requirements including age range, income range and various factors time to time decide, updated and
  • invoices & bills including a unique reference number, Date of the invoice, Tax payments if relevant (e.g. GST or VAT), Name and contact details of the seller, Tax or company registration details of seller (if relevant), Name and contact details of the buyer, Date that the product was sent or delivered, Purchase order number, Description of the product(s), Unit price(s) of the product(s) (if relevant), Total amount charged (optionally with breakdown of taxes, if relevant), Payment terms (including method of payment, date of payment, and details about charges for late payment), amount of purchases, details of purchased products & services including name, quantity, amount or prices for products & services, discounts, installments, credit limits, payment duration limits, a maximum number of days in which buyer have to pay for these goods and is sometimes offered a discount if paid before the due date, due dates, bonus, redeemable points, vouchers, coupons, Gift Certificates & offers,
  • cardholder can billed for purchased products and services via card statements and can centrally manage products & services
  • FIG. 1 is a system diagram of one embodiment of an environment in which the invention may be practiced
  • FIG. 2 & 3 illustrates various modules or components for implementing or executing dynamic card account or e-commerce account system in one of the embodiment of the present invention
  • FIG. 4 illustrates some of the examples of credit lines & offers related account based payment system or platform or network for making payments for purchasing of products and/or services.
  • FIG. 1 illustrates a block diagram of an account based payment system configured to implement the platform where provider or seller or merchant can determine, manage, provide & update customized line of credit & offers to users or customers and users or customers can request, accept, use for purchasing products/services & manage line of credit & offers from provider(s) via Dynamic Card Online Account or e-commerce account or simply user account. While FIG.
  • gateway 120 may be implemented in the account based payment system as separate systems, a single system, or any combination of systems.
  • the account based payment system may include a user or customer device or mobile devices 130/140 provider(s) or seller(s) or merchant(s) device or mobile devices 135/ 145.
  • Devices or Mobile devices 130/140/135/145 may be particular set number of or an arbitrary number of devices or mobile devices which may be capable of accessing and managing or using dynamic card account or e-commerce account or purchase account or credit lines & offers account for making of payments for purchasing of products and/or services.
  • Each device or mobile device in the set of user(s) or customer(s) 130/140 and provider(s) or seller(s) or merchant(s) device or mobile devices 135/140 may be configured to communicate, via a wireless connection, with each one of the other mobile devices 130/140/135/145.
  • Each one of the mobile devices 130/140/135/145 may also be configured to communicate, via a wireless connection, to a network 125, as illustrated in FIG. 1.
  • the wireless connections of mobile devices 130/140/135/145 may be implemented within a wireless network such as a Bluetooth network or a wireless LAN.
  • the account based payment system may include gateway 120.
  • Gateway 120 may be a web gateway which may be configured to communicate with other entities of the account based payment system via wired and/or wireless network connections.
  • gateway 120 may communicate with mobile devices 130/140/135/145 via network 125.
  • gateway 120 may be connected to network 125 via a wired and/or wireless network connection.
  • gateway 120 may be connected to database 115 and server 110 of the account based payment system.
  • gateway 120 may be connected to database 115 and/or server 110 via a wired or a wireless network connection.
  • Gateway 120 may be configured to send and receive data (e.g. determining, configuring, providing, managing & presenting credit lines and/or offers from one or more providers to one or more users and using & managing accepted lines of credit & offers for purchasing online or offline products and/or services) to/from mobile devices 130/140/135/145.
  • gateway 120 may be configured to receive determined or configured lines of credit & offers for one or more users provided by one or more providers or sellers or merchants and present to one or more related users of network, so user can accept or deny or ignore and use said provided or presented lines of credit & offers request(s) for purchasing of online or offline products and/or services from a mobile device and may send the updates lines of credit & offers, user profile, user usage of account for purchasing of products and/or services, payments made, generated orders & invoices and statements, user's global or our or network wide credit scoring, user data, user accounts to database 115 for storage.
  • gateway 120 may be configured to send request(s) to search, match, invite, request providers or customers or users, manage & access user or provider accounts and access or view presented or provided or accepted lines of credits & offers user data, user profile, orders & invoices stored in database 115 to mobile devices 130/140/135/145.
  • Gateway 120 may be configured to receive requests from mobile devices 130/140/135/145 for managing and accessing user or provider accounts. For example, gateway 120 may receive a request from a mobile device and may query database 115 with the request for searching and matching request specific matched users who are located at request specific place(s) or location(s). Gateway 120 may be configured to inform server 110 of updated data. For example, gateway 120 may be configured to notify server 110 when a new credit lines & offers has been received from a mobile device or device of provider(s) or seller(s) or merchant(s) and stored on database 115.
  • the account based payment system may include a database, such as database 115.
  • Database 115 may be connected to gateway 120 and server 110 via wired and/or wireless connections.
  • Database 115 may be configured to store a database of registered user's profile, accounts, determined, configured, provided, accepted & used lines of credits & offers, user data, invoices, orders & payments information received from mobile devices
  • Database 115 may also be configured to receive and service requests from gateway 120.
  • database 115 may receive, via gateway 120, a request from a mobile device and may service the request by providing, to gateway 120, user profile, user data, user or provider account's related data which meet the criteria specified in the request.
  • Database 115 may be configured to communicate with server 110.
  • the account based payment system may include a server, such as server 110. Server may be connected to database 115 and gateway 120 via wired and/or wireless connections.
  • server 110 may be notified, by gateway 120, of new or updated user profile, user data, determined, configured, provided, accepted & used lines of credits & offers, purchased product(s) and/or service(s) details, payments made by users, generated invoices, statements, orders & various types of status stored in database 115.
  • Server 110 may be configured to send updated metadata for each new or updated user profile, user data, determined, configured, provided, accepted & used lines of credits & offers, purchased product(s) and/or service(s) details, payments made by users, generated invoices, statements, orders & various types of status to database 115 such that the metadata identifies the new or updated user profile, user data, determined, configured, provided, accepted & used lines of credits & offers, purchased product(s) and/or service(s) details, payments made by users, generated invoices, statements, orders & various types of status in database 115.
  • Figure 2 & 3 illustrates some of the modules or processes or steps or functions or logic which can work fully or partially or independently or concurrently or optionally or in any combination or in any order or sequences for implementing account based payment system in one of the embodiment of present invention.
  • user can register with account based payment system, application, service, web site, account, device, network & platform 205.
  • provider or seller or merchant can register with account based payment system, application, service, web site, account, device, network & platform 305.
  • user can apply for or user is provided with verified accounts service 210.
  • provider or seller or merchant can apply for or user is provided with verified accounts service 310.
  • user is enable to manage user profile, user connections, payment information, privacy settings, preferences and user data 215.
  • provider or seller or merchant is enabling to manage profile, connections, payment information, privacy settings, preferences and user data 315.
  • online account or purchase account or e-commerce account or dynamic card account is created for user or group of user(s) for viewing, accepting, declining, ignoring, requesting, applying, accepting invitations, clarifying, demanding, sorting, filtering, ranking, bookmarking, referring, comparing, negotiating, using & managing one or more types of pre, while & post purchase credit lines & offers from one or more providers for purchasing product(s) and/or service(s) 220.
  • online provider or seller or merchant account or sell account or e-commerce account or dynamic card account is created for provider or seller or merchant or group of provider(s) or seller(s) or merchant(s) for determining, configuring, updating, inviting, suggesting, providing, tracking, monitoring & managing one or more types of credit lines & offers from one or more providers 345.
  • user is enable to search, match, find, browse, sort, filter, rank, compare, add or update to prospective list & select, select from auto matched, bookmarked, categories directories or lists, referred, & suggested and send request to one or more or group(s) or set of providers or sellers or merchants to providing one or more types of lines of credit & offers to user or one or more referred or suggested or connected user(s) of user 225.
  • enabling provider or seller or merchant to search, match, find, import, browse, invite, sort, filter, rank, compare, add or update to prospective list & select, select from auto matched, bookmarked, invitation accepted, categories directories or lists, referred, & suggested one or more or group(s) or set of users or customers of network for determining, configuring, updating & providing customized or personalized one or more types of lines of credit & offers 320.
  • enabling provider or seller or merchant to determine, configure, update & provide customized or personalized one or more types of lines of credit & offers to one or more users or customers and present said lines of credit & offers to one or more users 325.
  • provider or seller or merchant is provided with or suggested with or enabled to search, match, sort, filter, select, and view one or more types of user data, user's credit scoring & user profile.
  • enabling user to view, select, clarify, make request or suggest to update, accept, decline, ignore, compare & negotiate one or more types of offered or presented lines of credit & offers from one or more providers or sellers or merchants 240/255.
  • line of credits may including credit, loans, number of installments for particular period of time, cash back, discount, differentiate rates and offers may including redeemable points, coupons, vouchers, gifts, gift certificates, free products and/or service subscriptions and like.
  • enabling provider or seller or merchant to determine & update one or more types of lines of credit & offers for one or more users or customers based on user's request, invitation accepted by user, regularity of payments to credit providers or sellers or merchants, past or frequent purchases & amount of purchases, advance orders, group orders, customer regularity or loyalty, location, behavior, social connections, profile including gender, age, qualification, associate with particular school, college or company & income range, user's connections or contacts, relationships, affiliations, kinships, references, trust, goodwill, name, contributions, tasks, works, sponsorships, advertisements, activities, transactions, contextual or similar purchases from other sources, credit score from credit bureaus, account based payment network's credit scores including total extended credits of user and any combination thereof.
  • enabling provider or seller or merchant to integrate pay via dynamic card or online e-commerce account or purchase account or account feature or function or button or link via web service(s), API & one or more types of communication interface at online store, website, e-commerce web site or shopping cart, application, device & service for enabling online users or customers to make payment for purchased product(s) and/or service(s) 335.
  • user can select purchased products and/or services associated credit lines & offers for making payments.
  • online user account automatically identifies purchased products and/or services associated credit lines & offers and enabling user to making payments. Based on credit lines & offers of one or more providers user can make payment later via one or more types of payment mode.
  • system automatically checks credit scoring of user and automatically provide and/or enable provider to automatically or manually or on-demand or realtime provide credits & offers for purchased products and/or services and/or provide credits & offers to user.
  • dynamic card In another embodiment issuing dynamic card to registered users of network for enabling user to purchasing of products and/or services from offline stores, wherein dynamic card comprises user's dynamic card or online e-commerce or purchase account number, password, one or more types of authorization or authentication information & details required for making payments 250.
  • enabling provider or seller or merchant to accept dynamic card via online interface, web site, web page or application of said registered provider or seller or merchant for accessing dynamic card associate online e-commerce account or purchase account or user account for making said dynamic card holder's or user's or customer's purchase transaction(s) with said provider or seller or merchant 340.
  • In another embodiment utilize contextual or related credits or lines of credit & offers provided by related provider or seller or merchant for making payments of purchased products and/or services by user or customer or dynamic card holder.
  • enabling provider or seller or merchant to provide real-time or on- demand or while purchasing or at the end of purchased products and services provide one or more type(s) of credits, lines of credit & offers to user or customer for purchasing of currently purchased products and/or services or purchase products and/or services in future based on provided one or more type(s) of credits, lines of credit & offers.
  • provider or seller or merchant In another embodiment enable provider or seller or merchant to monitor & track payments of users including payment dues & paid, view orders & invoices, sent notifications or alerts to users or customers in the events of late payment 350.
  • enabling provider or seller or merchant to list one or more products and/or services with or without one or more types of credit lines & offers for users of network 365.
  • enabling user to view, search, match, browse, sort, filter, bookmark, add to one or more types of lists refer & select said listed products and/or services by one or more providers and add to cart, participate in group deals, make order or purchase one or more applications and/or products and/or services 270.
  • user is also enable to fully or partially transfer, assign one or more types of lines of credits & offers to one or more other users of network(s) including connected users.
  • user is enabling to make payments for utilizing of credits on behalf of other users of network(s).
  • user is enabling to refer one or more types of lines of credit & offers for one or more users to one or more providers.
  • user is enabling to create one or more accounts or members for enabling said one or more authenticated users or members to fully or partially or based on rules, privacy settings, preferences & policies access and utilize said dynamic card or online e-commerce or purchase account of said admin user for purchasing of one or more products and/or services by said created & authenticated users.
  • user is enabling to provide ratings, rank, weights, comments, and reviews to one or more users, providers, type(s) of lines of credit and/or offers.
  • enabling provider to view presented credit checks & updated account based payment system's network-wide credit scoring, selective user data, auto suggestions & credit score from credit bureaus of related users provided by server 355.
  • FIG. 4 illustrates some of the examples of credit lines & offers related account based payment system or platform or network for making payments for purchasing of products and/or services.
  • Figure illustrates exemplary platform where provider or seller can determine, manage, provide & update customized line of credit & offers to users and users can request, accept, use for purchasing products/services & manage line of credit & offers from provider(s) via Dynamic Card Online Account or online e-commerce account or purchase account or account 405.
  • Provider can online or offline sell with dynamic card or pre-credit lines & offers based payment mode account number or e-commerce account number or purchase account number or user's account number 410.
  • shop [Metro] 415 is one of the sellers or merchants or providers of credit lines & offers can determines, configures, updates & provides lines of credits & offers (e.g. pay after 6 months via 5 monthly installments of $1000 up-to $5000) to one or more users of network e.g.
  • user or customer [A] 440 and user or customer [A] 440 accepts said provided lines of credits & offers of provider or seller or merchant shop [Metro] 415, which enables user or customer [A] 440 to purchase of buy products and/or services 450 from shops of metro via dynamic card or purchase online from web site, e-commerce site via user's account number & password or associate one or more types of authentication & authorization information.
  • User or customer [A] 440 can make payments for one or more purchased products and/or services of one or more providers later or after receiving of products and subscribing of services via one or more types of payment modes in single mode.
  • Airline [Jet] 417 provides lines of credit & offers to users or customers [A] 440 & [B] 442
  • Department Stores [Harrods] 419 provides lines of credit & offers to user or customer [A] 440
  • Vegetable Seller [Mr. Veg Smith] 422 provides lines of credit & offers to user or customer[A] 445 and other plurality providers 425 of network can determines, configures, updates & provides lines of credits & offers to one or more users 448 of network.
  • a program is written as a series of human understandable computer instructions that can be read by a compiler and linker, and translated into machine code so that a computer can understand and run it.
  • a program is a list of instructions written in a programming language that is used to control the behavior of a machine, often a computer (in this case it is known as a computer program).
  • a programming language's surface form is known as its syntax. Most programming languages are purely textual; they use sequences of text including words, numbers, and punctuation, much like written natural languages. On the other hand, there are some programming languages which are more graphical in nature, using visual relationships between symbols to specify a program.
  • the syntax of a computer language is the set of rules that defines the combinations of symbols that are considered to be a correctly structured document or fragment in that language. This applies both to programming languages, where the document represents source code, and markup languages, where the document represents data.
  • the syntax of a language defines its surface form. Text-based computer languages are based on sequences of characters, while visual programming languages are based on the spatial layout and connections between symbols (which may be textual or graphical or flowchart(s)). Documents that are syntactically invalid are said to have a syntax error. Syntax - the form - is contrasted with semantics - the meaning.
  • semantic processing In processing computer languages, semantic processing generally comes after syntactic processing, but in some cases semantic processing is necessary for complete syntactic analysis, and these are done together or concurrently.
  • the syntactic analysis comprises the frontend, while semantic analysis comprises the backend (and middle end, if this phase is distinguished).
  • semantic analysis comprises the backend (and middle end, if this phase is distinguished).
  • a software module is implemented with a computer program product comprising a computer-readable medium containing computer program code, which can be executed by a computer processor for performing any or all of the steps, operations, or processes described.
  • Embodiments of the invention may also relate to an apparatus for performing the operations herein.
  • This apparatus may be specially constructed for the required purposes, and/or it may comprise a general-purpose computing device selectively activated or reconfigured by a computer program stored in the computer.
  • a computer program may be stored in a tangible computer readable storage medium or any type of media suitable for storing electronic instructions, and coupled to a computer system bus.
  • any computing systems referred to in the specification may include a single processor or may be architectures employing multiple processor designs for increased computing capability.
  • Embodiments of the invention may also relate to a computer data signal embodied in a carrier wave, where the computer data signal includes any embodiment of a computer program product or other data combination described herein.
  • the computer data signal is a product that is presented in a tangible medium or carrier wave and modulated or otherwise encoded in the carrier wave, which is tangible, and transmitted according to any suitable transmission method.

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Abstract

La présente invention concerne des procédés, des systèmes, une application, un site Web, un dispositif, un réseau, un appareil et une plate-forme permettant à un fournisseur ou à un vendeur de déterminer, de gérer et de mettre à jour des lignes de crédit et des offres sur mesure ou personnalisées et de les attribuer à des utilisateurs. Les utilisateurs peuvent demander, accepter et gérer les lignes de crédit et les offres provenant d'un ou plusieurs fournisseurs et les utiliser pour acheter des produits/services par l'intermédiaire d'un compte en ligne de carte dynamique ou d'un compte de commerce électronique en ligne.
PCT/IB2014/060262 2014-03-28 2014-03-28 Attribution et consommation de lignes de crédit et d'offres de fournisseur(s) permettant de payer et d'acheter des produits et/ou des services WO2015145215A1 (fr)

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PCT/IB2014/060262 WO2015145215A1 (fr) 2014-03-28 2014-03-28 Attribution et consommation de lignes de crédit et d'offres de fournisseur(s) permettant de payer et d'acheter des produits et/ou des services

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PCT/IB2014/060262 WO2015145215A1 (fr) 2014-03-28 2014-03-28 Attribution et consommation de lignes de crédit et d'offres de fournisseur(s) permettant de payer et d'acheter des produits et/ou des services

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WO2018177603A1 (fr) * 2017-03-30 2018-10-04 AVAST Software s.r.o. Fourniture d'options de paiement sans nécessiter une intégration de boutique en ligne
CN109300049A (zh) * 2018-08-13 2019-02-01 中国平安人寿保险股份有限公司 保单贷款利息的计算方法、终端设备及介质
CN110969522A (zh) * 2018-09-30 2020-04-07 重庆小雨点小额贷款有限公司 一种贷款方法、装置、服务器及存储介质
CN112001775A (zh) * 2020-08-06 2020-11-27 湖南凯迪工程科技有限公司 基于企业信用信息公示系统构建网站收费服务的方法
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Publication number Priority date Publication date Assignee Title
US11948140B1 (en) 2016-01-12 2024-04-02 Block, Inc. Interactive electronic notification
WO2018177603A1 (fr) * 2017-03-30 2018-10-04 AVAST Software s.r.o. Fourniture d'options de paiement sans nécessiter une intégration de boutique en ligne
CN110546665A (zh) * 2017-03-30 2019-12-06 爱维士软件有限责任公司 无需在线商店集成提供支付选项
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CN109300049A (zh) * 2018-08-13 2019-02-01 中国平安人寿保险股份有限公司 保单贷款利息的计算方法、终端设备及介质
CN109300049B (zh) * 2018-08-13 2023-06-30 中国平安人寿保险股份有限公司 保单贷款利息的计算方法、终端设备及介质
CN110969522A (zh) * 2018-09-30 2020-04-07 重庆小雨点小额贷款有限公司 一种贷款方法、装置、服务器及存储介质
CN110969522B (zh) * 2018-09-30 2023-09-12 重庆小雨点小额贷款有限公司 一种贷款方法、装置、服务器及存储介质
CN112001775A (zh) * 2020-08-06 2020-11-27 湖南凯迪工程科技有限公司 基于企业信用信息公示系统构建网站收费服务的方法
CN117391876A (zh) * 2023-12-05 2024-01-12 杭州瀚斯科技有限公司 对账信息的智能化处理方法及相关装置
CN117391876B (zh) * 2023-12-05 2024-03-26 杭州瀚斯科技有限公司 对账信息的智能化处理方法及相关装置

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