EA200601282A3 - Способ управления предварительно оплаченными счетами - Google Patents

Способ управления предварительно оплаченными счетами

Info

Publication number
EA200601282A3
EA200601282A3 EA200601282A EA200601282A EA200601282A3 EA 200601282 A3 EA200601282 A3 EA 200601282A3 EA 200601282 A EA200601282 A EA 200601282A EA 200601282 A EA200601282 A EA 200601282A EA 200601282 A3 EA200601282 A3 EA 200601282A3
Authority
EA
Eurasian Patent Office
Prior art keywords
account
prepaid
account number
transactions
virtual
Prior art date
Application number
EA200601282A
Other languages
English (en)
Other versions
EA200601282A2 (ru
EA009978B1 (ru
Inventor
Джон Кристофер Маллик
Джоуэл Холл
Клей Эндрюс
Эстер Мартинес
Тони Кит
Original Assignee
Епасспорте, Н.В.
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 Епасспорте, Н.В. filed Critical Епасспорте, Н.В.
Publication of EA200601282A2 publication Critical patent/EA200601282A2/ru
Publication of EA200601282A3 publication Critical patent/EA200601282A3/ru
Publication of EA009978B1 publication Critical patent/EA009978B1/ru

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
    • 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
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • 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
    • G06Q20/347—Passive cards
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/47—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/68—Payment of value-added services
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/765—Linked or grouped accounts, e.g. of users or devices
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/70—Administration or customization aspects; Counter-checking correct charges
    • H04M15/77—Administration or customization aspects; Counter-checking correct charges involving multiple accounts per user
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/201—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment automatic recharging with predetermined amount at threshold
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/22—Prepayment of wireline communication systems, wireless communication systems or telephone systems with automatic recharging of account/card, e.g. if limit is reached during connection the account is recharged automatically
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0148—Fraud detection or prevention means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/72—Account specifications
    • H04M2215/724—Linked accounts
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/72—Account specifications
    • H04M2215/724—Linked accounts
    • H04M2215/7254—Multiple accounts per user

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Заявлен способ управления предварительно оплаченными счетами. Предварительно оплаченный счет открывают для владельца счета, который вносит на данный счет денежные средства. Для предварительно оплаченного счета выдают номер виртуального счета. Номер виртуального счета совместим со стандартизированной системой кредитных операций. Использование номера виртуального счета ограничено операциями, осуществляемыми через Интернет, и операциями между предварительно оплаченным счетом и другим предварительно оплаченным счетом. Владельцу счета может также выдаваться физическая кредитная карточка для предварительно оплаченного счета. Такая кредитная карточка имеет номер счета, который отличается от номера виртуального счета. Номер счета карточки также совместим со стандартизированной системой кредитных операций. Номер счета карточки может также включать в себя ограничение на использование.
EA200601282A 2004-01-06 2005-01-04 Способ управления предварительно оплаченными счетами EA009978B1 (ru)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US53467604P 2004-01-06 2004-01-06
PCT/US2005/000343 WO2005067611A2 (en) 2004-01-06 2005-01-04 Method of managing prepaid accounts

Publications (3)

Publication Number Publication Date
EA200601282A2 EA200601282A2 (ru) 2007-02-27
EA200601282A3 true EA200601282A3 (ru) 2007-04-27
EA009978B1 EA009978B1 (ru) 2008-04-28

Family

ID=34794307

Family Applications (1)

Application Number Title Priority Date Filing Date
EA200601282A EA009978B1 (ru) 2004-01-06 2005-01-04 Способ управления предварительно оплаченными счетами

Country Status (8)

Country Link
US (1) US20050147225A1 (ru)
EP (1) EP1815414A4 (ru)
CN (1) CN101061499A (ru)
AU (2) AU2005204671A1 (ru)
EA (1) EA009978B1 (ru)
MX (1) MXPA06007865A (ru)
TW (1) TW200532521A (ru)
WO (1) WO2005067611A2 (ru)

Families Citing this family (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2001093559A1 (en) * 2000-06-01 2001-12-06 Worldcom, Inc. System and method for providing prepaid services via an internet protocol network system
US20170046679A1 (en) * 2004-04-09 2017-02-16 Blackhawk Network, Inc. Systems and methods for mimicking post-paid user experience with stored-value card accounts
US8306986B2 (en) 2005-09-30 2012-11-06 American Express Travel Related Services Company, Inc. Method, system, and computer program product for linking customer information
US20070170247A1 (en) * 2006-01-20 2007-07-26 Maury Samuel Friedman Payment card authentication system and method
US10068220B2 (en) 2006-10-11 2018-09-04 Visa International Service Association Systems and methods for brokered authentication express seller links
CN101554005A (zh) 2006-10-11 2009-10-07 国际签证服务协会 处理小额付款交易的方法和系统
US20080208735A1 (en) * 2007-02-22 2008-08-28 American Expresstravel Related Services Company, Inc., A New York Corporation Method, System, and Computer Program Product for Managing Business Customer Contacts
US20080301016A1 (en) * 2007-05-30 2008-12-04 American Express Travel Related Services Company, Inc. General Counsel's Office Method, System, and Computer Program Product for Customer Linking and Identification Capability for Institutions
US20090043667A1 (en) * 2007-08-10 2009-02-12 Deyoe David System And Method For Real Time Account and Account Number Generation Using Origination APIS
US8170998B2 (en) * 2007-09-12 2012-05-01 American Express Travel Related Services Company, Inc. Methods, systems, and computer program products for estimating accuracy of linking of customer relationships
US8060502B2 (en) 2007-10-04 2011-11-15 American Express Travel Related Services Company, Inc. Methods, systems, and computer program products for generating data quality indicators for relationships in a database
CN101500203B (zh) * 2008-02-02 2011-04-20 华为技术有限公司 一种消息接收方付费业务的实现方法、系统和装置
US9105019B1 (en) * 2008-04-17 2015-08-11 Intuit Inc. Method and system for depositing funds at a point of sale terminal
US7827108B2 (en) 2008-11-21 2010-11-02 Visa U.S.A. Inc. System and method of validating a relationship between a user and a user account at a financial institution
US8825548B2 (en) * 2009-06-30 2014-09-02 Ebay Inc. Secure authentication between multiple parties
US8676639B2 (en) * 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US8280788B2 (en) 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
SE536683C2 (sv) * 2012-11-16 2014-05-20 Mobile Payment Solutions Holding Nordic Ab Förfarande för att utföra en betalning med hjälp av en bärbar kommunikationsenhet
US20170132719A1 (en) * 2015-11-11 2017-05-11 CASHét Card LLC Dashboard interface for account management
US10410232B1 (en) 2016-07-08 2019-09-10 Harold Lueken Systems and methods for prioritizing default payment options in virtual wallets
US20230067630A1 (en) * 2021-09-02 2023-03-02 The Toronto-Dominion Bank Systems and methods for handling transfers

Family Cites Families (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6636833B1 (en) * 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US7747523B2 (en) * 1998-03-30 2010-06-29 Cohen Morris E Internet-based financial vehicles
US7249097B2 (en) * 1999-06-18 2007-07-24 Echarge Corporation Method for ordering goods, services, and content over an internetwork using a virtual payment account
US20020026418A1 (en) * 1999-07-02 2002-02-28 Adam Koppel Method for providing pre-paid anonymous electronic debit card compatible with existing network of credit cards
US7412422B2 (en) * 2000-03-23 2008-08-12 Dekel Shiloh Method and system for securing user identities and creating virtual users to enhance privacy on a communication network
US7363265B2 (en) * 2000-04-20 2008-04-22 Innovative Payment Systems, Llc Method and system for ubiquitous enablement of electronic currency
US7031939B1 (en) * 2000-08-15 2006-04-18 Yahoo! Inc. Systems and methods for implementing person-to-person money exchange
EP1180750A1 (de) * 2000-08-18 2002-02-20 Siemens Aktiengesellschaft Verfahren und Anordnung zur Übertragung eines elektronischen Geldbetrages aus einem Guthabenspeicher
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US20020095386A1 (en) * 2000-12-07 2002-07-18 Maritzen L. Michael Account control and access management of sub-accounts from master account
US20030083992A1 (en) * 2001-10-31 2003-05-01 Netbuck Payment Service Co., Ltd. System and method for opening on-line transaction account

Also Published As

Publication number Publication date
CN101061499A (zh) 2007-10-24
WO2005067611A2 (en) 2005-07-28
US20050147225A1 (en) 2005-07-07
AU2005204671A1 (en) 2005-07-28
TW200532521A (en) 2005-10-01
EP1815414A2 (en) 2007-08-08
MXPA06007865A (es) 2007-03-01
AU2005204671A2 (en) 2005-07-28
WO2005067611A3 (en) 2007-05-10
AU2011201810A1 (en) 2011-05-19
EP1815414A4 (en) 2011-03-09
EA200601282A2 (ru) 2007-02-27
EA009978B1 (ru) 2008-04-28

Similar Documents

Publication Publication Date Title
EA200601282A3 (ru) Способ управления предварительно оплаченными счетами
BRPI0606915A2 (pt) sistema e método eletrÈnico para recarregar cartões de crédito pré-págos ativos em uma rede de telecomunicação para transações bancárias eletrÈnicas
MX2008014012A (es) Metodos y sistemas para gestion de cuentas de tarjeta de transaccion activadas para uso con categorias de proveedores y/o de bienes o servicios particulares.
WO2011022268A3 (en) Automated funding for prepaid card
MXPA01010813A (es) Metodo y sistema para procesar pagos por internet utilizando la red electonica de transferencia de fondos.
NZ591623A (en) A method for a payment cardholder to control and manage the use of a payment card
WO2008055198A3 (en) Refund request tool
WO2001082183A3 (en) Masking private billing data by assigning other billing data to use in commerce with businesses
GB2465724A (en) Mobile remittances/payments
NZ606895A (en) Systems and methods for the payment of customer bills utilizing payment platform of biller
WO2004097580A3 (en) System and method for managing accounts payable and accounts receivable
Nakamoto Centralised bitcoin: a secure and high performance electronic cash system
WO2007149937A3 (en) System and method for card not present transactions
WO2008151191A8 (en) Prepaid negative balance fee processing and fee diversion
WO2013036171A3 (en) Unified account handling system
WO2013081502A3 (en) Unified charging and credit system
CN103337116A (zh) 一种实现实时到账功能的电话收单系统及方法
RU2016100237A (ru) Система и способ для содействия осуществлению транзакций
KR101500832B1 (ko) 원천징수 대행 방법 및 이를 실행하는 시스템
SE9801135D0 (sv) Förfarande för betalning med kontokort innefattande en elektronisk börs
WO2010017244A3 (en) Online interactive issued account acquired transaction information management
Keen et al. Revenue Sharing and Information Exchange under Non‐discriminatory Taxation
CN202394249U (zh) 多银行通用卡
JP6799130B1 (ja) 支払管理システム、支払管理方法及び支払管理プログラム
CN205656657U (zh) 一种基于can专线技术的供电单位智能电费管理系统

Legal Events

Date Code Title Description
MM4A Lapse of a eurasian patent due to non-payment of renewal fees within the time limit in the following designated state(s)

Designated state(s): AM AZ BY KZ KG MD TJ TM RU