BR0011768A - Método e aparelho para encomendar mercadorias, serviços e conteúdo através de um trabalho de internet utilizando uma conta de pagamento virtual - Google Patents

Método e aparelho para encomendar mercadorias, serviços e conteúdo através de um trabalho de internet utilizando uma conta de pagamento virtual

Info

Publication number
BR0011768A
BR0011768A BR0011768-4A BR0011768A BR0011768A BR 0011768 A BR0011768 A BR 0011768A BR 0011768 A BR0011768 A BR 0011768A BR 0011768 A BR0011768 A BR 0011768A
Authority
BR
Brazil
Prior art keywords
account
virtual payment
buyer
services
content
Prior art date
Application number
BR0011768-4A
Other languages
English (en)
Inventor
Robin B Hutchison
Robert C Llewellyn
Andre F Viljoen
David Griffiths
David Birch
Iain M Begg
Original Assignee
Echarge Corp
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 Echarge Corp filed Critical Echarge Corp
Publication of BR0011768A publication Critical patent/BR0011768A/pt

Links

Classifications

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    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/04Billing or invoicing
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Payment protocols; Details thereof using an alias or single-use codes
    • GPHYSICS
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    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/027Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] involving a payment switch or gateway
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/085Payment architectures involving remote charge determination or related payment systems
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    • G06Q20/00Payment architectures, schemes or protocols
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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    • G06Q20/3676Balancing accounts
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821Electronic credentials
    • GPHYSICS
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    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/405Establishing or using transaction specific rules
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    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
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    • G06COMPUTING; CALCULATING OR COUNTING
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    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
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    • G06Q30/0603Catalogue ordering
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    • G06Q30/00Commerce
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    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract

"MéTODO E APARELHO PARA ENCOMENDAR MERCADORIAS, SERVIçOS E CONTEúDO ATRAVéS DE UM TRABALHO DE INTERNET UTILIZANDO UMA CONTA DE PAGAMENTO VIRTUAL". Um sistema de pagamento virtual para encomendar e pagar por mercadorias, serviços e conteúdo através de um trabalho de internet é descrito. O sistema de pagamento virtual compreende um componente de porta de acesso de comércio ( 52 ) e um componente de servidor de processamento de crédito ( 53 ). O sistema de pagamento virtual é um sistema fechado, seguro compreendendo compradores e vendedores registrados. Um comprador se torna um participante registrado ao se candidatar a uma conta de pagamento virtual. Da mesma forma, um vendedor se torna registrado ao se candidatar a uma conta de vendedor. Um comprador pode abrir instantaneamente uma conta em linha. Isto é, o componente de processamento de crédito ( 53 ) avalia imediatamente a aplicação de cartão de pagamento virtual do comprador e designa um limite de crédito à conta. Uma vez que a conta é estabelecida, um certificado digital é armazenado no computador do participante registrado. O comprador pode então encomendar um produto, isto é, mercadorias, serviços ou conteúdo de um vendedor e cobrar através da conta de pagamento virtual. Quando o produto é despachado, o vendedor notifica o componente de porta de acesso de comércio ( 52 ), que por sua vez, notifica o servidor de processamento de crédito que aplica as cobranças à conta de pagamento virtual do comprador. o comprador pode liquidar as cobranças usando uma conta pré-paga, uma conta de crédito, ou utilizando pontos de prêmio ganhos através do uso do cartão de pagamento virtual. Um comprador pode criar subcontas.
BR0011768-4A 1999-06-18 2000-06-16 Método e aparelho para encomendar mercadorias, serviços e conteúdo através de um trabalho de internet utilizando uma conta de pagamento virtual BR0011768A (pt)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US14003999P 1999-06-18 1999-06-18
US37094999A 1999-08-09 1999-08-09
US57839500A 2000-05-25 2000-05-25
PCT/US2000/016669 WO2000079452A2 (en) 1999-06-18 2000-06-16 Method and apparatus for ordering goods, services and content over an internetwork using a virtual payment account

Publications (1)

Publication Number Publication Date
BR0011768A true BR0011768A (pt) 2002-06-11

Family

ID=27385436

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0011768-4A BR0011768A (pt) 1999-06-18 2000-06-16 Método e aparelho para encomendar mercadorias, serviços e conteúdo através de um trabalho de internet utilizando uma conta de pagamento virtual

Country Status (11)

Country Link
US (2) US11423400B1 (pt)
EP (1) EP1194874A2 (pt)
JP (1) JP5405704B2 (pt)
KR (1) KR100805341B1 (pt)
AU (1) AU781021B2 (pt)
BR (1) BR0011768A (pt)
CA (1) CA2377706A1 (pt)
HK (1) HK1047169A1 (pt)
IL (2) IL147164A0 (pt)
NZ (1) NZ516669A (pt)
WO (1) WO2000079452A2 (pt)

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