JP2009518744A - 携帯消費者装置をロードし、再ロードする方法とシステム - Google Patents
携帯消費者装置をロードし、再ロードする方法とシステム Download PDFInfo
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- JP2009518744A JP2009518744A JP2008544345A JP2008544345A JP2009518744A JP 2009518744 A JP2009518744 A JP 2009518744A JP 2008544345 A JP2008544345 A JP 2008544345A JP 2008544345 A JP2008544345 A JP 2008544345A JP 2009518744 A JP2009518744 A JP 2009518744A
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- 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"
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- 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
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
- G06Q20/0658—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed locally
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- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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- 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
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- 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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- 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
- G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
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- General Business, Economics & Management (AREA)
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- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
Description
プリペイドカード製品は産業、市場及び消費者の支持と使用の臨界レベルを達成した。これらは今では単独な支払い分類として考えることが可能である。これらのカードとその関連取引容量の成長は、新たな参加者(発行者と処理装置)の出現により加速されてきた。新たな参加者は非標準的なプラットフォーム、アプリケーション、装置及び接続プロトコルを使用する。参加者の数の増加にも係わらず、各種の新たな参加者によるこのようなプリペイドカードの非標準的な実装方式は、このようなプリペイドカード製品の広範囲な使用(有効化、ロード及び決済)を現実的に制限してきた。
Claims (23)
- 方法において、
ロード・エージェントにより操作されるサービス点端末で通貨を提供する段階であって、サービス点端末は支払い処理網と動作的通信しており、サービス点端末は以後取引認証要求をユーザーにより使用されている携帯消費者装置の発行者に送信し、発行者は以後取引認証要求を認証するまたは認証しない、前記提供段階と、
サービス点端末で、取引認証要求が承認されたまたは承認されなかったことの指示を受信する段階と、
取引認証要求が承認された場合に、携帯消費者装置にサービス点端末で提供された通貨に関係する金額を初期ロードするまたは再ロードする段階と、
を含む方法。 - 請求項1記載の方法において、取引認証要求が初期ロード認証要求である方法。
- 請求項1記載の方法において、取引認証要求が再ロード認証要求である方法。
- 請求項1記載の方法において、ロード・エージェントは各種のサービス点端末を操作する複数個のロード・エージェントの内の1つであり、サービス点端末は支払い処理網と動作的通信をしている方法。
- 請求項4記載の方法において、取引認証要求が再ロード認証要求である方法。
- 請求項4記載の方法において、携帯消費者装置はプリペイドカードであり、支払い処理網はデビットまたはクレジットカード取引を処理するよう適合されている方法。
- 方法において、
ユーザーから通貨を受け取った後、ロード・エージェントにより操作されるサービス点端末からユーザーにより使用される携帯消費者装置の発行者へ取引認証要求を送信する段階であって、発行者は以後取引認証要求を認証するまたは認証しない、サービス点端末は支払い処理網と動作的通信をしている前記送信段階と、
サービス点端末で、取引認証要求が承認されたまたは承認されなかったことの指示を受信する段階と、
取引認証要求が承認された場合に、携帯消費者装置にサービス点端末で提供された通貨に関係する金額を初期ロードするまたは再ロードする段階と、
を含む方法。 - 請求項7記載の方法において、取引認証要求が初期ロード認証要求または再ロード認証要求である方法。
- 請求項7記載の方法において、取引認証要求が再ロード認証要求である方法。
- 請求項7記載の方法において、ロード・エージェントはサービス点端末を操作する複数個のロード・エージェントの内の1つであり、サービス点端末は支払い処理網と動作的通信をしており、支払い処理網はデビットまたはクレジットカード取引を処理するよう適合されている方法。
- 請求項7の方法を実行する命令を含むコンピュータ読取可能な媒体において、命令は処理装置により実行可能であるコンピュータ読取可能な媒体。
- 方法において、
ユーザーから通貨を受け取った後、ロード・エージェントにより操作されるサービス点端末からユーザーにより使用される携帯消費者装置と関連する取引認証要求を受信する段階であって、以後携帯消費者装置の発行者は取引認証要求を承認するかまたは承認しないかし、サービス点端末は支払い処理網と動作的通信をしている前記受信段階と、
サービス点端末へ取引応答メッセージを送信する段階であって、取引応答メッセージは取引認証要求が承認されたかまたはされなかったかを指示する前記送信段階と、
を含む方法。 - 請求項12記載の方法において、取引認証要求が初期ロード認証要求または再ロード認証要求である方法。
- 請求項12記載の方法において、ロード・エージェントはサービス点端末を操作する複数個のロード・エージェントの内の1つであり、サービス点端末は支払い処理網と動作的通信をしており、支払い処理網はデビットまたはクレジットカード取引を処理するよう適合されている方法。
- 請求項12の方法を実行する命令を含むコンピュータ読取可能な媒体において、命令は処理装置により実行可能であるコンピュータ読取可能な媒体。
- 請求項15のコンピュータ読取可能な媒体を含むサーバー。
- 方法において、
サービス点で携帯消費者装置に関係する通貨を受け取る段階と、
サービス点で、支払い処理網を使用して提供された通貨に関係する金額を携帯消費者装置にロードまたは再ロードする段階であって、支払い処理網はデビットまたはクレジットカード取引を処理するよう適合されており、支払い処理網は携帯消費者装置の発行者と通信している前記ロード段階と、
を含む方法。 - 請求項17記載の方法において、
各消費者からの通貨を総計する段階と、
通貨を受け取るロード・エージェントに関係する取得者に総計した通貨と関連する金額を送信する段階であって、取得者は以後清算及び決済過程に参加する前記送信段階と、
をさらに含む方法。 - 請求項17記載の方法において、携帯消費者装置はプリペイドカードである方法。
- 請求項19記載の方法において、携帯消費者装置は給与カードである方法。
- システムにおいて、
携帯消費者装置と、
サービス点端末であって、携帯消費者装置がサービス点端末とインターフェースするよう適合されている前記サービス点端末と、
複数個のサービス点端末と通信している支払い処理網と、
支払い処理網の存在するまたはこれと通信しているサーバー・コンピュータであって、認証要求に応答して携帯消費者装置にロードまたは再ロードした後に、携帯消費者装置のユーザーにより与えられた通貨と関係する金額を携帯消費者装置にロードまたは再ロードするよう構成された前記サーバー・コンピュータと、
を含むシステム。 - 請求項21記載のシステムにおいて、携帯消費者装置はプリペイドカードまたは給与カードであるシステム。
- 方法において、
各種のロード・エージェントでの携帯消費者装置のロードまたは再ロードに関係する総計の通貨と関係する金額を受信する段階と、
清算及び決済過程に参加する段階であって、清算及び決済段階では、携帯消費者装置の発行者に支払うべき金額を発行者に送信する前記段階と、
を含む方法。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
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US74814105P | 2005-12-06 | 2005-12-06 | |
US11/404,651 US7886969B2 (en) | 2005-12-06 | 2006-04-14 | Method and system for loading and reloading portable consumer devices |
PCT/US2006/043596 WO2007067295A2 (en) | 2005-12-06 | 2006-11-08 | Method and system for loading and reloading portable consumer devices |
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JP2009518744A true JP2009518744A (ja) | 2009-05-07 |
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JP2008544345A Pending JP2009518744A (ja) | 2005-12-06 | 2006-11-08 | 携帯消費者装置をロードし、再ロードする方法とシステム |
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Country | Link |
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US (2) | US7886969B2 (ja) |
EP (1) | EP1960937A4 (ja) |
JP (1) | JP2009518744A (ja) |
KR (1) | KR101389418B1 (ja) |
AU (1) | AU2006323098B2 (ja) |
BR (1) | BRPI0619466A2 (ja) |
CA (1) | CA2631782A1 (ja) |
RU (1) | RU2439695C2 (ja) |
WO (1) | WO2007067295A2 (ja) |
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KR101389418B1 (ko) | 2014-04-25 |
RU2439695C2 (ru) | 2012-01-10 |
WO2007067295A2 (en) | 2007-06-14 |
KR20080082671A (ko) | 2008-09-11 |
BRPI0619466A2 (pt) | 2011-10-04 |
AU2006323098B2 (en) | 2012-04-26 |
US8831980B2 (en) | 2014-09-09 |
US20110161185A1 (en) | 2011-06-30 |
US20070125842A1 (en) | 2007-06-07 |
CA2631782A1 (en) | 2007-06-14 |
RU2008127393A (ru) | 2010-01-20 |
EP1960937A4 (en) | 2010-03-31 |
WO2007067295A3 (en) | 2007-11-22 |
AU2006323098A1 (en) | 2007-06-14 |
EP1960937A2 (en) | 2008-08-27 |
US7886969B2 (en) | 2011-02-15 |
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