BRPI0419119A - processo de pagamento, cupom de recarga e sistema de pagamento por cartão bancário pré-pago - Google Patents

processo de pagamento, cupom de recarga e sistema de pagamento por cartão bancário pré-pago

Info

Publication number
BRPI0419119A
BRPI0419119A BRPI0419119-6A BRPI0419119A BRPI0419119A BR PI0419119 A BRPI0419119 A BR PI0419119A BR PI0419119 A BRPI0419119 A BR PI0419119A BR PI0419119 A BRPI0419119 A BR PI0419119A
Authority
BR
Brazil
Prior art keywords
coupon
bank card
prepaid
recharge
management server
Prior art date
Application number
BRPI0419119-6A
Other languages
English (en)
Inventor
Alexandre Sam Zormati
Original Assignee
Alexandre Sam Zormati
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 Alexandre Sam Zormati filed Critical Alexandre Sam Zormati
Publication of BRPI0419119A publication Critical patent/BRPI0419119A/pt

Links

Classifications

    • 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
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
    • G06Q30/0225—Avoiding frauds
    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Game Theory and Decision Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Beverage Vending Machines With Cups, And Gas Or Electricity Vending Machines (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Vending Machines For Individual Products (AREA)

Abstract

PROCESSO DE PAGAMENTO, CUPOM DE RECARGA E SISTEMA DE PAGAMENTO POR CARTãO BANCáRIO PRé-PAGO A presente invenção se refere ao campo dos cartões de pagamento recarregáveis. A presente invenção se refere a um processo de pagamento por cartão bancário pré-pago fornecido por meio de um intermediário financeiro, de uma transação com um comerciante que compreende as etapas de recarga que consistem em modificar, no servidor de gerenciamento, a informação relavia ao saldo disponível do titular do cartão bancário, caracterizado pelo fato da recarga ser efetuada por meio de um cupom pré-pago ao qual está associado um número único de identificação e ao qual corresponde um valor pré-definido; o referido servidor de gerenciamento compreende, ainda, uma base de dados dos números únicos de cupons, bem como o estado de validade e o valor correspondente aos cupons, e caracterizado pelo fato das referidas etapas de recarga compreenderem uma etapa de transmissão do referido identificador do cupom e do referido identificador do cartão bancário ao referido servidor de gerenciamento; uma etapa de verificação pelo referido servidor da validade do identificador do cartão recebido; uma etapa de determinação do valor numário do valor associado ao cupom; uma etapa de modificação do estado de validade do cupom consumido; uma etapa de atualização do saldo da conta do referido cartão bancário.
BRPI0419119-6A 2004-11-10 2004-12-08 processo de pagamento, cupom de recarga e sistema de pagamento por cartão bancário pré-pago BRPI0419119A (pt)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US52282204P 2004-11-10 2004-11-10
PCT/IB2004/004348 WO2006051350A1 (fr) 2004-11-10 2004-12-08 Carte de paiement prepayee a rechargement instantane a distance par coupon
US11/006,833 US20060100927A1 (en) 2004-11-10 2004-12-08 Prepaid payment card that can be instantly recharged remotely by coupon

Publications (1)

Publication Number Publication Date
BRPI0419119A true BRPI0419119A (pt) 2008-03-11

Family

ID=34931586

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0419119-6A BRPI0419119A (pt) 2004-11-10 2004-12-08 processo de pagamento, cupom de recarga e sistema de pagamento por cartão bancário pré-pago

Country Status (27)

Country Link
US (1) US20060100927A1 (pt)
EP (1) EP1657687B1 (pt)
KR (1) KR20070091137A (pt)
CN (1) CN101103383A (pt)
AP (1) AP2007004011A0 (pt)
AT (1) ATE372569T1 (pt)
AU (1) AU2004324799A1 (pt)
BR (1) BRPI0419119A (pt)
CA (1) CA2587351A1 (pt)
DE (1) DE602004008785T2 (pt)
EA (1) EA010957B1 (pt)
EG (1) EG24606A (pt)
GT (1) GT200500329A (pt)
HR (1) HRP20070219A2 (pt)
IL (1) IL183111A0 (pt)
JO (1) JO2463B1 (pt)
LV (1) LV13606B (pt)
MA (1) MA29072B1 (pt)
MX (1) MX2007005667A (pt)
PT (1) PT1657687E (pt)
RS (1) RS20070201A (pt)
TN (1) TNSN07177A1 (pt)
TW (1) TW200719285A (pt)
UA (1) UA88339C2 (pt)
UY (1) UY29206A1 (pt)
WO (1) WO2006051350A1 (pt)
ZA (1) ZA200704484B (pt)

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US8706630B2 (en) 1999-08-19 2014-04-22 E2Interactive, Inc. System and method for securely authorizing and distributing stored-value card data
PT1442404E (pt) * 2001-09-24 2014-03-06 E2Interactive Inc Sistema e método para fornecer um serviço de comunicação
US7537152B2 (en) * 2005-03-23 2009-05-26 E2Interative, Inc. Delivery of value identifiers using short message service (SMS)
US7472822B2 (en) 2005-03-23 2009-01-06 E2Interactive, Inc. Delivery of value identifiers using short message service (SMS)
US8474694B2 (en) * 2005-03-23 2013-07-02 E2Interactive, Inc. Radio frequency identification purchase transactions
US8190472B2 (en) * 2005-12-16 2012-05-29 E2Interactive, Inc. Multiple use rebate card
US8566240B2 (en) * 2007-01-16 2013-10-22 E2Interactive, Inc. Systems and methods for the payment of customer bills utilizing payment platform of biller
US20080172331A1 (en) * 2007-01-16 2008-07-17 Graves Phillip C Bill Payment Card Method and System
US8452705B2 (en) 2007-11-28 2013-05-28 Cashstar, Inc. Pre-paid payment instrument processing
US8442866B2 (en) 2008-10-27 2013-05-14 Cashstar, Inc. Systems and methods for implementing and managing virtual gift cards
US20100299194A1 (en) * 2009-05-22 2010-11-25 Snyder Glenn A Systems and methods for implementing and managing gift cards
US8781962B2 (en) * 2009-09-02 2014-07-15 Visa International Service Association System and method for providing alternate funding source for portable consumer device
US20110057030A1 (en) * 2009-09-04 2011-03-10 Omesh Persaud Card Including Account Number With Value Amount
US20110137740A1 (en) 2009-12-04 2011-06-09 Ashmit Bhattacharya Processing value-ascertainable items
US20110166992A1 (en) * 2010-01-06 2011-07-07 Firethorn Holdings, Llc System and method for creating and managing a stored value account associated with a client unique identifier
FR2959042A1 (fr) * 2010-04-20 2011-10-21 Marc Guedj Systeme et procede de paiement en ligne suivant le principe du "serveur d'autorisation miroir"
CN109460990A (zh) * 2010-06-14 2019-03-12 黑鹰网络股份有限公司 有效的储值卡交易
WO2012176216A1 (en) * 2011-06-20 2012-12-27 Yeldi Softcom Pvt Ltd Biometric identifier based automated recharge system
KR101115073B1 (ko) * 2011-08-30 2012-03-13 방재경 복수의 소셜 커머스 업체간 거래 중개 시스템 및 방법
US9715693B2 (en) 2011-11-10 2017-07-25 Mastercard International Incorporated Method and apparatus for distributing advertisements using social networks and financial transaction card networks
US20140074704A1 (en) * 2012-09-11 2014-03-13 Cashstar, Inc. Systems, methods and devices for conducting transactions with electronic passbooks
US9947007B2 (en) 2013-01-27 2018-04-17 Barry Greenbaum Payment information technologies
US9100395B2 (en) * 2013-09-24 2015-08-04 International Business Machines Corporation Method and system for using a vibration signature as an authentication key
US9450682B2 (en) 2013-10-07 2016-09-20 International Business Machines Corporation Method and system using vibration signatures for pairing master and slave computing devices
CN104021628B (zh) * 2014-06-23 2017-04-05 中国民生银行股份有限公司 数据处理方法和装置
JP2019021263A (ja) * 2017-07-21 2019-02-07 東芝テック株式会社 情報処理装置およびプログラム
CN115331412B (zh) * 2022-08-10 2024-04-05 支付宝（中国）网络技术有限公司 资源处理方法以及装置

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Also Published As

Publication number Publication date
US20060100927A1 (en) 2006-05-11
AU2004324799A1 (en) 2006-05-18
ATE372569T1 (de) 2007-09-15
AP2007004011A0 (en) 2007-06-30
DE602004008785D1 (de) 2007-10-18
EG24606A (en) 2010-01-10
ZA200704484B (en) 2008-04-30
GT200500329A (es) 2009-01-19
PT1657687E (pt) 2008-02-14
EA010957B1 (ru) 2008-12-30
MX2007005667A (es) 2007-10-11
MA29072B1 (fr) 2007-12-03
EP1657687A1 (fr) 2006-05-17
JO2463B1 (en) 2009-01-20
UY29206A1 (es) 2006-06-30
KR20070091137A (ko) 2007-09-07
IL183111A0 (en) 2007-09-20
WO2006051350A1 (fr) 2006-05-18
DE602004008785T2 (de) 2008-07-17
CN101103383A (zh) 2008-01-09
LV13606B (en) 2008-01-20
UA88339C2 (ru) 2009-10-12
TNSN07177A1 (fr) 2008-11-21
HRP20070219A2 (en) 2007-09-30
CA2587351A1 (fr) 2006-05-18
TW200719285A (en) 2007-05-16
EA200701030A1 (ru) 2008-02-28
EP1657687B1 (fr) 2007-09-05
RS20070201A (en) 2008-06-05

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Legal Events

Date Code Title Description
B08F Application dismissed because of non-payment of annual fees [chapter 8.6 patent gazette]

Free format text: REFERENTE AS 6A E 7A ANUIDADES.

B08K Patent lapsed as no evidence of payment of the annual fee has been furnished to inpi [chapter 8.11 patent gazette]

Free format text: REFERENTE AO DESPACHO 8.6 PUBLICADO NA RPI 2158 DE 15/05/2012.