EA200701030A1 - Предварительно оплаченная платежная карточка, которая может немедленно дистанционно пополняться с помощью купона - Google Patents

Предварительно оплаченная платежная карточка, которая может немедленно дистанционно пополняться с помощью купона

Info

Publication number
EA200701030A1
EA200701030A1 EA200701030A EA200701030A EA200701030A1 EA 200701030 A1 EA200701030 A1 EA 200701030A1 EA 200701030 A EA200701030 A EA 200701030A EA 200701030 A EA200701030 A EA 200701030A EA 200701030 A1 EA200701030 A1 EA 200701030A1
Authority
EA
Eurasian Patent Office
Prior art keywords
coupon
payment card
bank payment
code
management server
Prior art date
Application number
EA200701030A
Other languages
English (en)
Other versions
EA010957B1 (ru
Inventor
Александр Сэм Зормати
Original Assignee
Александр Сэм Зормати
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 Александр Сэм Зормати filed Critical Александр Сэм Зормати
Publication of EA200701030A1 publication Critical patent/EA200701030A1/ru
Publication of EA010957B1 publication Critical patent/EA010957B1/ru

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

Настоящее изобретение относится к области пополняемых банковских платежных карточек. Настоящее изобретение относится к способу платежа с помощью предварительно оплаченной банковской платежной карточки, предоставляемой финансовым посредником операции с фирмой-акцептантом, включающему этапы пополнения лицевого счета, состоящие из изменения информации, относящейся к имеющемуся балансу владельца банковской платежной карточки, на сервере управления, характеризующемуся тем, что пополнение лицевого счета осуществляется с помощью предварительно оплаченного купона, к которому относится индивидуальный идентификационный номер и которому соответствует предварительно установленная сумма; указанный сервер управления дополнительно содержит базу данных индивидуальных номеров купонов, статус достоверности и стоимость, соответствующую купонам; и в котором указанные этапы пополнения лицевого счета включают этап передачи кода указанного купона и кода указанной банковской платежной карточки на сервер управления; этап проверки достоверности полученного кода купона сервером управления; этап определения численного значения суммы, относящейся к купону; этап изменения статуса достоверности использованного купона; этап обновления баланса счета банковской платежной карточки.
EA200701030A 2004-11-10 2004-12-08 Предварительно оплаченная платежная карточка, которая может немедленно дистанционно пополняться с помощью купона EA010957B1 (ru)

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 (2)

Publication Number Publication Date
EA200701030A1 true EA200701030A1 (ru) 2008-02-28
EA010957B1 EA010957B1 (ru) 2008-12-30

Family

ID=34931586

Family Applications (1)

Application Number Title Priority Date Filing Date
EA200701030A EA010957B1 (ru) 2004-11-10 2004-12-08 Предварительно оплаченная платежная карточка, которая может немедленно дистанционно пополняться с помощью купона

Country Status (27)

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

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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
BRPI0419119A (pt) 2008-03-11
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
EP1657687B1 (fr) 2007-09-05
RS20070201A (en) 2008-06-05

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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