JP2007005961A5

JP2007005961A5 -

Info

Publication number: JP2007005961A5
Application number: JP2005181485A
Authority: JP
Filing date: 2005-06-22
Publication date: 2008-07-24

Claims

In a method for authorizing a transaction by a computer network comprising at least one client device and at least one payment computer,
Receive a transaction message identifying the payment amount of the payment transaction from the user's account,
Determining that the user has a deposit or credit to support the transaction;
When the user's virtual account is used in the transaction, it is further determined whether the balance of the virtual account is equal to or greater than the payment amount,
The transaction is conducted without manipulation by a financial institution providing the account to the customer;
The user may have at least one virtual account;
If the virtual account has only one, the user can choose to use or not use the virtual account in the transaction;
The method, wherein a plurality of virtual accounts have, the user can select and use one of the plurality of virtual accounts in the transaction.

The method of claim 1, wherein the validity of the received PIN of the virtual account is verified.

The method of claim 1, wherein the transaction is a commercial settlement, the virtual account is selected by an associated method associated with a seller, and the associated method is specified by the user.

The method of claim 1, wherein the account is identified by an associated method associated with a user identifier, the associated method being specified by the user.

The method of claim 1, wherein the transaction is approved only after confirmation by the user.

The method of claim 1, wherein the transaction is approved only after being confirmed by information transmitted from the user's device.

The method of claim 1, wherein the transaction is approved only after being confirmed by the user when the cumulative payment amount of the transaction in which the virtual account is utilized exceeds a predetermined amount.

A device for communication,
Means for communicating with the presence via a communication channel;
Means to listen for communication requests from the source to the destination;
Management means for systematically managing the event of the communication request;
Means for initiating control action;
Means for retrieving rule data from a set of rules;
Determining means for determining a processing action included in a process for processing the communication request;
The communication request is a communication content indicating an intention for the operation of the device,
The management means is a means selected from the group consisting of schedule type means and command type means,
The scheduling means comprises means for initiating communication behavior;
The commanding means comprises means for sending a command to the presence, the command requesting the presence to send a plurality of the communication requests;
When the management means is the schedule means, the control action is an action selected from the group consisting of an internal control action and an external control action,
When the management means is the command-type means, the control action is the external control action,
The internal control action is an action that assigns only regulatory resources;
The regulatory resource does not include a satisfaction resource,
The satisfaction resource is a resource for satisfying the intention,
The external control action is an action that satisfies the intention,
If the control action is the external control action, the destination is the device;
When the control action is the external control action and the source is the presence, the communication action causes an incoming call notification;
The incoming call notification is an action to notify the parties that the communication request has been received,
The party is the device side of the communication path;
The rule set is configured to include at least one rule, and each of the rules includes a condition part and an execution part, the condition part includes an application condition, and the execution part includes Including applicable action items,
If the communication request satisfies the application condition of the condition part of the rule included in the rule set, the processing action is an application action that matches the execution part of the rule; otherwise, the processing action is Early action,
When the management means is the schedule means, the application condition is composed of at least one condition,
The condition is that the communication request includes identification information, and the fact about the existence side can be estimated based on the identification information and unique information uniquely determined by the device side of the communication path,
When the control action is the internal control action, the communication action may be an action that satisfies the intention, and the application action may be the communication action, and the initial expectation is the internal control action Can be
When the processing action is the internal control action, the process includes a response action to convey the presentation information to the source, and the process can reject the intention;
The presentation information includes content that facilitates the source to communicate application information to the device in order for the intent to be met;
The apparatus is characterized in that the process is an action not including the communication action when the management means is the schedule means and the application action is the external control action.