HRP20030325A2 - System and method for purchasing goods and services through financial data network access points - Google Patents
System and method for purchasing goods and services through financial data network access points Download PDFInfo
- Publication number
- HRP20030325A2 HRP20030325A2 HR20030325A HRP20030325A HRP20030325A2 HR P20030325 A2 HRP20030325 A2 HR P20030325A2 HR 20030325 A HR20030325 A HR 20030325A HR P20030325 A HRP20030325 A HR P20030325A HR P20030325 A2 HRP20030325 A2 HR P20030325A2
- Authority
- HR
- Croatia
- Prior art keywords
- user
- account
- transaction
- data
- voucher
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims description 49
- 238000004891 communication Methods 0.000 claims description 109
- 230000004044 response Effects 0.000 claims description 37
- 238000012795 verification Methods 0.000 claims description 11
- 238000012790 confirmation Methods 0.000 claims description 3
- 238000012545 processing Methods 0.000 description 41
- 230000006870 function Effects 0.000 description 27
- 238000012546 transfer Methods 0.000 description 13
- 238000012423 maintenance Methods 0.000 description 11
- 230000009471 action Effects 0.000 description 8
- 238000013475 authorization Methods 0.000 description 8
- 230000015654 memory Effects 0.000 description 6
- 238000009826 distribution Methods 0.000 description 5
- 238000007726 management method Methods 0.000 description 5
- 238000010586 diagram Methods 0.000 description 4
- 238000010295 mobile communication Methods 0.000 description 4
- 230000002452 interceptive effect Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 238000013523 data management Methods 0.000 description 2
- 238000005516 engineering process Methods 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000012544 monitoring process Methods 0.000 description 2
- 210000001747 pupil Anatomy 0.000 description 2
- 235000006719 Cassia obtusifolia Nutrition 0.000 description 1
- 235000014552 Cassia tora Nutrition 0.000 description 1
- 244000201986 Cassia tora Species 0.000 description 1
- 230000004308 accommodation Effects 0.000 description 1
- 230000006978 adaptation Effects 0.000 description 1
- 238000004458 analytical method Methods 0.000 description 1
- 238000013459 approach Methods 0.000 description 1
- 238000006243 chemical reaction Methods 0.000 description 1
- 238000013500 data storage Methods 0.000 description 1
- 230000003247 decreasing effect Effects 0.000 description 1
- 230000001419 dependent effect Effects 0.000 description 1
- 238000013461 design Methods 0.000 description 1
- 235000013399 edible fruits Nutrition 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- 238000011156 evaluation Methods 0.000 description 1
- 238000005242 forging Methods 0.000 description 1
- 238000009472 formulation Methods 0.000 description 1
- 230000036541 health Effects 0.000 description 1
- 230000007787 long-term memory Effects 0.000 description 1
- 238000004519 manufacturing process Methods 0.000 description 1
- 238000013507 mapping Methods 0.000 description 1
- 239000003550 marker Substances 0.000 description 1
- 239000000203 mixture Substances 0.000 description 1
- 238000002360 preparation method Methods 0.000 description 1
- 230000009467 reduction Effects 0.000 description 1
- 230000006403 short-term memory Effects 0.000 description 1
- 230000005236 sound signal Effects 0.000 description 1
- 238000003860 storage Methods 0.000 description 1
- 238000010200 validation analysis Methods 0.000 description 1
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
- G06Q20/30—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
- G06Q20/3433—Cards including a counter the counter having monetary units
-
- 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
- G06Q20/04—Payment circuits
-
- 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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/08—Payment architectures
- G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
-
- 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
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/28—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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Entrepreneurship & Innovation (AREA)
- Game Theory and Decision Science (AREA)
- Economics (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US67082600A | 2000-09-28 | 2000-09-28 | |
| PCT/US2001/040024 WO2002027629A1 (fr) | 2000-09-28 | 2001-02-06 | Systeme et procede d'achat de produits et de services via des points d'acces de reseaux de donnees financieres |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| HRP20030325A2 true HRP20030325A2 (en) | 2005-06-30 |
Family
ID=24692038
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| HR20030325A HRP20030325A2 (en) | 2000-09-28 | 2003-04-25 | System and method for purchasing goods and services through financial data network access points |
Country Status (11)
| Country | Link |
|---|---|
| EP (1) | EP1327211A4 (fr) |
| CN (1) | CN1476578B (fr) |
| AU (2) | AU2001247953B2 (fr) |
| CA (1) | CA2424037C (fr) |
| CZ (1) | CZ20031053A3 (fr) |
| HR (1) | HRP20030325A2 (fr) |
| HU (1) | HUP0302552A3 (fr) |
| NZ (1) | NZ546571A (fr) |
| PL (1) | PL366045A1 (fr) |
| RS (1) | RS49969B (fr) |
| WO (1) | WO2002027629A1 (fr) |
Families Citing this family (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8977559B2 (en) | 2000-04-07 | 2015-03-10 | Zyzeba Holding Limited | Interactive marketing system |
| SE0202068L (sv) * | 2002-06-30 | 2003-12-31 | Ericsson Telefon Ab L M | En metod och system för att ändra servicenivån för abonnenter i ett elektroniskt kommunikationssystem |
| EG23422A (en) * | 2002-11-24 | 2005-07-10 | Ashraf Kamal Salem Mashhour | Scheme for spreading and easy use of electronic services and remote payments. |
| EP1602055A1 (fr) * | 2003-03-07 | 2005-12-07 | Snapcount Limited | Traitement de transactions |
| CN100411415C (zh) * | 2003-06-13 | 2008-08-13 | 腾讯科技（深圳）有限公司 | 一种通过声讯方式的个人帐户充值方法和系统 |
| FR2858441A1 (fr) * | 2003-07-30 | 2005-02-04 | Jan Georges Zizka | Systeme et procede de paiement electronique |
| IES20040045A2 (en) * | 2004-01-23 | 2004-08-11 | January Patents Ltd | Electronic point of sale apparatus for mobile telephone credit purchase |
| ZA200701539B (en) * | 2004-07-21 | 2008-08-27 | Actaris Measurement And System | A voucher based payment system and components there-of |
| WO2008080187A1 (fr) * | 2007-01-05 | 2008-07-10 | Ezybonds Incorporated | Système facilitant les transactions électroniques |
| US8645273B2 (en) * | 2008-02-21 | 2014-02-04 | The Coca-Cola Company | Systems and methods for providing a vending network |
| WO2011026510A1 (fr) * | 2009-09-01 | 2011-03-10 | Global Blue Holdings Ab | Procédé de génération d'un enregistrement de touristes dans un système informatisé |
| AP3813A (en) * | 2011-02-14 | 2016-09-30 | Nomanini Mobile Vending Pty Ltd | A device and system for vending value token |
| TWI578253B (zh) * | 2012-01-05 | 2017-04-11 | 中華信股份有限公司 | 使用行動通訊裝置申請金融憑證之系統及其方法 |
| RS54226B1 (en) * | 2012-01-31 | 2015-12-31 | Quadra Graphic Doo | PROCEDURE FOR MAKING A HYBRID VOUCHER |
| US10373184B1 (en) | 2012-06-18 | 2019-08-06 | Groupon, Inc. | Facilitating consumer payments and redemptions of deal offers |
| WO2014049859A1 (fr) * | 2012-09-28 | 2014-04-03 | グローリー株式会社 | Système de distribution automatique de tickets et procédé de distribution automatique de tickets |
| TWI591553B (zh) * | 2012-10-31 | 2017-07-11 | Chunghwa Telecom Co Ltd | Systems and methods for mobile devices to trade financial documents |
| CN103984998A (zh) * | 2014-05-30 | 2014-08-13 | 成都德迈安科技有限公司 | 基于云服务平台大数据挖掘的销售预测方法 |
| US11049085B2 (en) | 2019-02-05 | 2021-06-29 | Freedompay, Inc. | Point of sale client integration platform |
Family Cites Families (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5577109A (en) * | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
| ZA956867B (en) * | 1994-08-19 | 1996-03-22 | Alcatel Nv | Telephony accounts method |
| US5696908A (en) * | 1995-06-07 | 1997-12-09 | Southeast Phonecard, Inc. | Telephone debit card dispenser and method |
| US7156300B1 (en) * | 1995-06-07 | 2007-01-02 | Electronic Data Systems Corporation | System and method for dispensing of a receipt reflecting prepaid phone services |
| FR2745970B1 (fr) * | 1996-03-07 | 1998-08-07 | France Telecom | Procede de prepaiement de consommation de communications telephoniques |
| US5903880A (en) * | 1996-07-19 | 1999-05-11 | Biffar; Peter C. | Self-contained payment system with circulating digital vouchers |
| US6032859A (en) * | 1996-09-18 | 2000-03-07 | New View Technologies, Inc. | Method for processing debit purchase transactions using a counter-top terminal system |
| US5933816A (en) * | 1996-10-31 | 1999-08-03 | Citicorp Development Center, Inc. | System and method for delivering financial services |
| US6188752B1 (en) * | 1996-11-12 | 2001-02-13 | Telefonaktiebolaget Lm Ericsson (Publ) | Method and apparatus for providing prepaid telecommunications services |
| US5991748A (en) * | 1996-12-06 | 1999-11-23 | American Express Travel Related Services Company, Inc. | Methods and apparatus for regenerating a prepaid transaction account |
| US6081791A (en) * | 1997-12-23 | 2000-06-27 | U S West, Inc | Enhanced ATM for facilitating telephony access |
| WO1999056254A1 (fr) * | 1998-04-24 | 1999-11-04 | Claridge Trading One (Proprietary) Limited | Acces a prepaiement pour reseau d'informations |
-
2001
- 2001-02-06 AU AU2001247953A patent/AU2001247953B2/en not_active Expired
- 2001-02-06 EP EP01920951A patent/EP1327211A4/fr not_active Ceased
- 2001-02-06 AU AU4795301A patent/AU4795301A/xx active Pending
- 2001-02-06 HU HU0302552A patent/HUP0302552A3/hu unknown
- 2001-02-06 WO PCT/US2001/040024 patent/WO2002027629A1/fr active IP Right Grant
- 2001-02-06 NZ NZ546571A patent/NZ546571A/en not_active IP Right Cessation
- 2001-02-06 RS YUP-237/03A patent/RS49969B/sr unknown
- 2001-02-06 CA CA2424037A patent/CA2424037C/fr not_active Expired - Lifetime
- 2001-02-06 PL PL01366045A patent/PL366045A1/xx not_active Application Discontinuation
- 2001-02-06 CN CN01819540.7A patent/CN1476578B/zh not_active Expired - Lifetime
- 2001-02-06 CZ CZ20031053A patent/CZ20031053A3/cs unknown
-
2003
- 2003-04-25 HR HR20030325A patent/HRP20030325A2/hr not_active Application Discontinuation
Also Published As
| Publication number | Publication date |
|---|---|
| AU4795301A (en) | 2002-04-08 |
| PL366045A1 (en) | 2005-01-24 |
| CA2424037C (fr) | 2015-11-24 |
| NZ546571A (en) | 2007-10-26 |
| AU2001247953B2 (en) | 2007-08-02 |
| CA2424037A1 (fr) | 2002-04-04 |
| CZ20031053A3 (cs) | 2003-08-13 |
| YU23703A (sh) | 2004-11-25 |
| RS49969B (sr) | 2008-09-29 |
| CN1476578B (zh) | 2010-05-05 |
| HUP0302552A2 (hu) | 2003-10-28 |
| WO2002027629A1 (fr) | 2002-04-04 |
| EP1327211A1 (fr) | 2003-07-16 |
| WO2002027629A9 (fr) | 2006-02-23 |
| EP1327211A4 (fr) | 2006-02-08 |
| CN1476578A (zh) | 2004-02-18 |
| HUP0302552A3 (en) | 2005-08-29 |
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Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| A1OB | Publication of a patent application | ||
| AIPI | Request for the grant of a patent on the basis of a substantive examination of a patent application | ||
| ODRP | Renewal fee for the maintenance of a patent |
Payment date: 20101216 Year of fee payment: 11 |
|
| ODBI | Application refused |