ES2139359T3 - Procedimiento y dispositivo que trata de proporcionar una cuenta cliente de prepago y de entrada a distancia. - Google Patents

Procedimiento y dispositivo que trata de proporcionar una cuenta cliente de prepago y de entrada a distancia.

Info

Publication number
ES2139359T3
ES2139359T3 ES96919084T ES96919084T ES2139359T3 ES 2139359 T3 ES2139359 T3 ES 2139359T3 ES 96919084 T ES96919084 T ES 96919084T ES 96919084 T ES96919084 T ES 96919084T ES 2139359 T3 ES2139359 T3 ES 2139359T3
Authority
ES
Spain
Prior art keywords
prepaid
account
tries
procedure
customer account
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Lifetime
Application number
ES96919084T
Other languages
English (en)
Inventor
John M Taskett
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
American Express Travel Related Services Co Inc
Original Assignee
American Express Travel Related Services Co Inc
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 American Express Travel Related Services Co Inc filed Critical American Express Travel Related Services Co Inc
Application granted granted Critical
Publication of ES2139359T3 publication Critical patent/ES2139359T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • 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
    • H04M15/51—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for resellers, retailers or service providers
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • 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
    • 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
    • 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
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H04M17/205—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless by calling a service number, e.g. interactive voice response [IVR] or menu
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H04M2017/241—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless by calling a service number IVR, menu
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/54—Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Signal Processing (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Collating Specific Patterns (AREA)
  • Beverage Vending Machines With Cups, And Gas Or Electricity Vending Machines (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Meter Arrangements (AREA)

Abstract

METODO Y APARATO PARA SUMINISTRAR UNA CUENTA DE CLIENTE PREPAGADA (100) DE ENTRADA REMOTA QUE COMPRENDE UN SISTEMA (208) PARA GENERAR CUENTAS CON CODIGOS DE AUTORIZACION DEDICADA DE UN TERMINAL (206) REMOTO. LA CUENTA, ASOCIADA APROPIADAMENTE CON UN ORDENADOR, SE CREA CUANDO LOS FONDOS SON SUMINISTRADOS POR UN TERMINAL (208) REMOTO. POSTERIORMENTE, EL ORDENADOR SUMINISTRA UN NUMERO DE CUENTA Y UN CODIGO DE AUTORIZACION AL TITULAR DE LA CUENTA. EL CODIGO (12) (FIGURA 1) DE AUTORIZACION PODRA SER POSTERIORMENTE USADO PARA ACCEDER A LOS FONDOS ASOCIADOS CON LA CUENTA.
ES96919084T 1995-06-01 1996-06-03 Procedimiento y dispositivo que trata de proporcionar una cuenta cliente de prepago y de entrada a distancia. Expired - Lifetime ES2139359T3 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US45652595A 1995-06-01 1995-06-01

Publications (1)

Publication Number Publication Date
ES2139359T3 true ES2139359T3 (es) 2000-02-01

Family

ID=23813104

Family Applications (1)

Application Number Title Priority Date Filing Date
ES96919084T Expired - Lifetime ES2139359T3 (es) 1995-06-01 1996-06-03 Procedimiento y dispositivo que trata de proporcionar una cuenta cliente de prepago y de entrada a distancia.

Country Status (10)

Country Link
EP (1) EP0836727B1 (es)
JP (2) JPH11506558A (es)
AT (1) ATE185208T1 (es)
AU (1) AU695518B2 (es)
CA (1) CA2222749C (es)
DE (1) DE69604495T2 (es)
DK (1) DK0836727T3 (es)
ES (1) ES2139359T3 (es)
GR (1) GR3032178T3 (es)
WO (1) WO1996038801A1 (es)

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US6119931A (en) * 1997-10-02 2000-09-19 Novogrod; John C. System and method for requesting and dispensing negotiable instruments
US5993047A (en) * 1997-10-02 1999-11-30 John C. Novogrod Apparatus and method for requesting and dispensing negotiable instruments
WO1999018549A2 (en) * 1997-10-02 1999-04-15 Novogrod John C Negotiable instrument requesting and dispensing system and method
JP3330139B2 (ja) 1998-03-09 2002-09-30 靖夫 村松 電話料金管理システム
WO1999062038A1 (en) * 1998-05-27 1999-12-02 Autocard Systems, Inc. Pre-paid telephone calling card vending machine
FR2779381A1 (fr) * 1998-06-09 1999-12-10 Jean Pierre Brissaud Carte telephonique a code rapporte
US6263060B1 (en) * 1998-08-18 2001-07-17 Priority Call Management, Inc. Transportable logic to facilitate a large calling card transaction network supporting dynamic changes
JP3516339B2 (ja) * 1998-09-15 2004-04-05 イン タッチ テクノロジーズ リミテッド 通信サービス
US9098958B2 (en) 1998-09-15 2015-08-04 U-Paid Systems, Ltd. Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment
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MXPA01004945A (es) * 1998-11-17 2003-03-10 Prenet Corp Sistema de pago electronico utilizando cuenta intermediaria.
EP1212708A4 (en) * 1999-02-25 2006-03-22 Cybersource Corp PROCESSING ELECTRONIC CERTIFICATES HAVING RECORDED VALUES
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WO2000079492A1 (en) * 1999-06-17 2000-12-28 Keil Dean S System and method for acquiring pre-paid products and services
CA2380527A1 (en) 1999-07-29 2001-02-08 Privacash.Com, Inc. Method and system for transacting an anonymous purchase over the internet
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JP3782617B2 (ja) * 1999-09-02 2006-06-07 グレートインフォメーション株式会社 有価暗号情報発行システム及び通話料決済システム
WO2001045052A2 (en) 1999-10-18 2001-06-21 Sutton David B Auction system requiring advance credit information from both buyer and seller
ITMI992363A1 (it) * 1999-11-11 2001-05-11 Roberto Colli Procedimento di transazione di pagamento in rete mediante carta prepagata e relativa carta
WO2001043084A2 (en) * 1999-12-06 2001-06-14 Pielemeier Ted A Method of masking the identity of a purchaser during a credit transaction
GB9929983D0 (en) * 1999-12-17 2000-02-09 Hitbits Co Uk Limited On-line purchasing system
WO2001059722A2 (en) * 2000-02-08 2001-08-16 Tokyo Mechatronics Co., Limited Prepaid card settlement system and method on internet and apparatus and method for using them
DE10008132A1 (de) * 2000-02-22 2001-09-06 Brodos Ag Verfahren zur Aufladung eines Prepaid-Kundenkontos und Vorrichtung zur Durchführung des Verfahrens
WO2001063569A1 (de) * 2000-02-22 2001-08-30 Brodos Ag Verfahren zum aufladen eines kundenkontos für telekommunikationsdienste und entsprechendes aufladesystem
GB2359652A (en) * 2000-02-24 2001-08-29 Menachem Mendel Sudak Electronic payment system
CA2303041A1 (en) 2000-03-29 2001-09-29 1398888 Ontario Inc. Method of providing a quantity of telephone time from an atm
ATE374982T1 (de) * 2000-04-03 2007-10-15 Swisscom Mobile Ag Verfahren und system zum auf- oder nachladen von in mobilfunkgeräten eingeführten chipkarten mit einem geldbetragswert
GB2361571A (en) * 2000-04-17 2001-10-24 Aspect Internet Holdings Ltd Payment method
MXPA02010326A (es) 2000-04-20 2004-08-12 Innovative Payment Systems Llc Metodo y sistema para la habilitacion de moneda legal electronica.
DE10020900A1 (de) * 2000-04-28 2002-04-04 Cardmaxx De Ag Verfahren und Vorrichtung zur elektronischen Distribution von virtuellen Mobilfunk-Prepaid-Karten
DE10021673A1 (de) * 2000-05-05 2001-11-15 Berthold Binder Verfahren und Vorrichtung zur Abwicklung von vorausbezahlbaren geschäftlichen Transaktionen oder Dienstleistungen
US7181416B2 (en) 2000-06-08 2007-02-20 Blackstone Corporation Multi-function transaction processing system
US7546947B1 (en) 2000-06-08 2009-06-16 Arias Luis A Multi-function transaction processing system
US6651885B1 (en) * 2000-06-08 2003-11-25 Luis A. Arias Multi-function transaction processing system
DE10136080A1 (de) * 2000-11-21 2002-06-06 Wolfgang Zint Verfahren zum Durchführen einer bargeldlosen Finanztransaktion
AU2002242671A1 (en) * 2001-01-15 2002-07-24 Rudiger Premm System for vending prepaid products
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Also Published As

Publication number Publication date
CA2222749C (en) 2003-08-19
AU695518B2 (en) 1998-08-13
WO1996038801A1 (en) 1996-12-05
GR3032178T3 (en) 2000-04-27
AU6151896A (en) 1996-12-18
DE69604495D1 (de) 1999-11-04
JP2002189961A (ja) 2002-07-05
EP0836727A4 (es) 1998-05-13
EP0836727B1 (en) 1999-09-29
HK1010256A1 (en) 1999-06-17
EP0836727A1 (en) 1998-04-22
DE69604495T2 (de) 2000-05-04
ATE185208T1 (de) 1999-10-15
MX9709401A (es) 1998-07-31
JPH11506558A (ja) 1999-06-08
DK0836727T3 (da) 1999-12-27
CA2222749A1 (en) 1996-12-05

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