HUP0302552A2 - Rendszer és eljárás áruk és szolgáltatások megvásárlásához pénzügyi adathálózati hozzáférési pontokon keresztül - Google Patents

Rendszer és eljárás áruk és szolgáltatások megvásárlásához pénzügyi adathálózati hozzáférési pontokon keresztül

Info

Publication number
HUP0302552A2
HUP0302552A2 HU0302552A HUP0302552A HUP0302552A2 HU P0302552 A2 HUP0302552 A2 HU P0302552A2 HU 0302552 A HU0302552 A HU 0302552A HU P0302552 A HUP0302552 A HU P0302552A HU P0302552 A2 HUP0302552 A2 HU P0302552A2
Authority
HU
Hungary
Prior art keywords
user
data source
account
account data
transaction request
Prior art date
Application number
HU0302552A
Other languages
English (en)
Inventor
William Benko
John Chamberlin
Jeffrey S. Clary
Matthew L. Lanford
Michel Thierry
Kenneth J. Varna
Original Assignee
Euronet Worldwide, 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 Euronet Worldwide, Inc. filed Critical Euronet Worldwide, Inc.
Publication of HUP0302552A2 publication Critical patent/HUP0302552A2/hu
Publication of HUP0302552A3 publication Critical patent/HUP0302552A3/hu

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
    • G06Q20/30—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)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (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)

Abstract

Rendszer és eljárás áruk és szolgáltatások vásárlására pénzügyiadathálózat hozzáférési pontjain keresztül A találmány tárgya előrekifizetett kommunikációs szolgáltatások pénzügyi adathálózathasználatával történő vásárlására szolgáló rendszer. A rendszerben vana felhasználók előfizetési számláira vonatkozó számlaadatokattartalmazó számlaadatforrás, és az említett számlaadatforrássalkommunikáló, a számlaadatforrást szolgáltatás végpont készülékenkeresztül kiadott felhasználói tranzakciós kérelemnek megfelelőenmódosító tranzakciós rendszer. A rendszer része emellett a számlaadatforrással összeköttetésben álló, a számla adatforrást afelhasználó előfizetési számlájával kapcsolatos kommunikációsszolgáltatások használatának hatására módosító kommunikációs rendszer,és a tranzakciós rendszerrel a felhasználói tranzakciós kérelemteljesítése alapján indított kifizetést rendező tranzakcióvégrehajtása végett kommunikáló fizetési rendszer. A találmány tárgyaemellett előre kifizetett áruk vagy szolgáltatások számlájánakpénzügyi adathálózaton keresztül való újratöltésére szolgáló eljárás.Az eljárás során először fogadnak valamely felhasználói számlaújratöltésére vonatkozó felhasználói tranzakciós kérelmet valamelyszolgáltatás végpont készülékről. Ezután ellenőrzik a felhasználóiszámla létezését az áru- vagy szolgáltatás szolgáltató általhozzáférhető számlaadatforrással való kommunikáció segítségével.Ellenőrzik a felhasználói tranzakciós kérelemhez tartozó fizetésimódot a pénzügyi adathálózaton keresztül, majd módosítják aszámlaadatforrást, hogy tükrözze a felhasználói tranzakciós kérelmet.Végül igazolást küldenek a felhasználónak a felhasználói tranzakcióskérelem teljesítéséről. Ó
HU0302552A 2000-09-28 2001-02-06 System and method for purchasing goods and services through financial data network access ponts HUP0302552A3 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US67082600A 2000-09-28 2000-09-28
PCT/US2001/040024 WO2002027629A1 (en) 2000-09-28 2001-02-06 System and method for purchasing goods and services through financial data network access points

Publications (2)

Publication Number Publication Date
HUP0302552A2 true HUP0302552A2 (hu) 2003-10-28
HUP0302552A3 HUP0302552A3 (en) 2005-08-29

Family

ID=24692038

Family Applications (1)

Application Number Title Priority Date Filing Date
HU0302552A HUP0302552A3 (en) 2000-09-28 2001-02-06 System and method for purchasing goods and services through financial data network access ponts

Country Status (11)

Country Link
EP (1) EP1327211A4 (hu)
CN (1) CN1476578B (hu)
AU (2) AU2001247953B2 (hu)
CA (1) CA2424037C (hu)
CZ (1) CZ20031053A3 (hu)
HR (1) HRP20030325A2 (hu)
HU (1) HUP0302552A3 (hu)
NZ (1) NZ546571A (hu)
PL (1) PL366045A1 (hu)
RS (1) RS49969B (hu)
WO (1) WO2002027629A1 (hu)

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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 (en) * 2003-03-07 2005-12-07 Snapcount Limited Transaction processing
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
EP1779309A1 (en) * 2004-07-21 2007-05-02 Actaris Measurement and Systems (Proprietary) Limited A voucher based payment system and components thereof
WO2008080187A1 (en) * 2007-01-05 2008-07-10 Ezybonds Incorporated Electronic transaction facilitation system
US8645273B2 (en) * 2008-02-21 2014-02-04 The Coca-Cola Company Systems and methods for providing a vending network
WO2011026510A1 (en) * 2009-09-01 2011-03-10 Global Blue Holdings Ab A method of generating a tourist record in a computerised system
WO2012110880A1 (en) * 2011-02-14 2012-08-23 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
US10373186B1 (en) 2012-06-18 2019-08-06 Groupon, Inc. Facilitating consumer payments and redemptions of deal offers
WO2014049859A1 (ja) * 2012-09-28 2014-04-03 グローリー株式会社 チケット販売システム及びチケット販売方法
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

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ZA956867B (en) * 1994-08-19 1996-03-22 Alcatel Nv Telephony accounts 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
US5696908A (en) * 1995-06-07 1997-12-09 Southeast Phonecard, Inc. Telephone debit card dispenser and method
FR2745970B1 (fr) * 1996-03-07 1998-08-07 France Telecom Procede de prepaiement de consommation de communications telephoniques
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Also Published As

Publication number Publication date
WO2002027629A1 (en) 2002-04-04
CN1476578A (zh) 2004-02-18
NZ546571A (en) 2007-10-26
AU2001247953B2 (en) 2007-08-02
WO2002027629A9 (en) 2006-02-23
RS49969B (sr) 2008-09-29
CZ20031053A3 (cs) 2003-08-13
EP1327211A1 (en) 2003-07-16
PL366045A1 (en) 2005-01-24
EP1327211A4 (en) 2006-02-08
CA2424037A1 (en) 2002-04-04
HUP0302552A3 (en) 2005-08-29
HRP20030325A2 (en) 2005-06-30
CA2424037C (en) 2015-11-24
AU4795301A (en) 2002-04-08
CN1476578B (zh) 2010-05-05
YU23703A (sh) 2004-11-25

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Legal Events

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FA9A Lapse of provisional patent protection due to relinquishment or protection considered relinquished