JP5518740B2 - プッシュ識別子を含むデータ完成のためのシステム並びに方法 - Google Patents
プッシュ識別子を含むデータ完成のためのシステム並びに方法 Download PDFInfo
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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
- G06Q20/102—Bill distribution or payments
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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
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
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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
- G06Q40/12—Accounting
Description
本出願は暫定的なものではなく、米国特許出願第61/021,289号、2008年1月15日出願の優先権を主張するものであり、この出願は此処に参照することにより全ての目的に対してそのまま組み込まれている。
本発明のこれらおよびその他の実施例は、添付図および詳細な説明を参照して更に詳細に説明されている。
図1は本発明の1つの実施例に基づくシステム20を示す。本発明に基づくその他のシステムは、図1に具体的に示されたものよりも少ないかまたは多い部品を含む。
図2は、図1のシステム20で実施される、1つの取引処理100例の流れ図を提供している。或るいくつかの実施例において、取引処理過程はその取引の性質および含まれる個別の当事者に依存して異なるはずである。
支払先電話番号:(800)-555-5555
支払先住所: 15 Lincoln Rd. Arlington, VA 22202
図4(a)−4(b)は携帯型消費者機器および、本発明の実施例に基づくシステム内のコンピュータ装置の中に存在するであろうサブシステムのブロック図を示す。
Claims (21)
- 取引を処理するためにコンピュータによって実行される方法であって、
支払い指示メッセージをサーバ・コンピュータで受け取り、此処で支払い指示メッセージは発行者に関連する口座を用いて、支払先に支払いを行うためのものであり、支払い指示メッセージは少なくとも一部の支払先情報を含み、更に支払い指示メッセージは支払先とは異なる事業体から発せられるものであり、
前記サーバ・コンピュータが支払い指示メッセージを再審理し、
前記取引をプッシュ取引として識別して、プッシュ識別子に提供し、
前記サーバ・コンピュータが、受信した前記少なくとも一部の支払先情報に基づき、実質的に完全な支払先情報を決定し、
実質的に完全な支払先情報を決定したことを受けて、前記サーバ・コンピュータが、支払い指示メッセージを再審理した後に、認証要求メッセージを発行者に送信し、認証要求メッセージが前記プッシュ識別子を含む、
以上を含む、前記コンピュータによって実行される方法。 - 請求項1記載のコンピュータによって実行される方法において、支払い指示メッセージが支払者により発せられる、前記方法。
- 請求項2記載のコンピュータによって実行される方法において、更に、認証要求メッセージを送信する前に、更に別の支払先識別情報が無いとその取引が完了出来ないことを、支払者に通知することを含む、前記方法。
- 請求項1記載のコンピュータによって実行される方法において、更に、
前記取引に関わる認証応答メッセージを発行者から受け取り、
認証ログをその支払先に関連する集金者に送信することを含む、前記方法。 - 請求項4記載のコンピュータによって実行される方法において、認証要求メッセージが集金者と通信する前に発行者に送られる、前記方法。
- 請求項1記載のコンピュータによって実行される方法において、更に、
認証要求メッセージを送信する前に、プッシュ識別子を支払い指示メッセージに添付し、当該支払い指示をBase1 メッセージに翻訳し、認証要求メッセージがBase1 メッセージを含む、前記方法。 - 請求項1記載のコンピュータによって実行される方法において、前記実質的に完全な支払先情報を決定することが、前記支払先を少なくとも予め定められた閾値の精度で設定することを含む、前記方法。
- 請求項7記載のコンピュータによって実行される方法において、予め定められた閾値が85%を含む、前記方法。
- 請求項1記載のコンピュータによって実行される方法において、前記実質的に完全な支払先情報を決定することが、支払い指示メッセージ内の情報と1つまたは複数のデータ・ベース内の支払先名称の1つまたは複数の一覧表と照合するためにファジー論理を使用することを含む、前記方法。
- 請求項9記載のコンピュータによって実行される方法において、1つまたは複数のデータ・ベースが、支払い処理ネットワークを通して支払いを受諾するように構成された支払先一覧表のデータ・ベースを含む、前記方法。
- 支払いを行うためにコンピュータによって実行される方法であって、
取引に対応する少なくとも一部の支払先情報、取引金額、支払時期を含む支払い指示メッセージをサーバ・コンピュータに送信し、支払い指示メッセージがサーバ・コンピュータで実質的に完全な支払先情報を決定するために構文解析され、認証ログがその支払先に関係する集金者に送られ、ここで、前記サーバ・コンピュータは、更に、前記サーバ・コンピュータが受信した認証要求メッセージにおけるプッシュ識別子に基づいて前記取引をプッシュ取引として識別するように構成されており、
資金を支払先に送金する、前記方法。 - 請求項11記載のコンピュータによって実行される方法において、一部の支払先情報が少なくとも支払先の1つの名称を含む、前記方法。
- 請求項11記載のコンピュータによって実行される方法において、一部の支払先情報が少なくとも支払先の1つの電話番号を含む、前記方法。
- 請求項1記載のコンピュータによって実行される方法において、前記一部の支払先情報は、前記支払先の名前の一部であるものを含む、前記方法。
- 請求項2記載のコンピュータによって実行される方法において、前記一部の完全な支払先情報は、前記支払先の住所の一部であるものを含む、前記方法。
- 請求項1記載のコンピュータによって実行される方法において、前記一部の支払先情報は、前記支払先に関係する省略形であるものを含む、前記方法。
- 請求項1記載のコンピュータによって実行される方法において、前記一部の支払先情報は、前記支払先または前記支払先に関係する情報における不正確なスペルであるものを含む、前記方法。
- プッシュ取引を処理するための計算機読み取り可能媒体であって、
発行者に関連する口座を用いて支払いを行うための支払い指示メッセージを受け取るためのコードであって、支払い指示は少なくとも一部の支払先情報を含み、更に支払い指示メッセージが支払先とは異なる事業体から発せられる前記受け取るためのコードと、
サーバ・コンピュータが支払い指示メッセージを再審理するためのコードと、
取引をプッシュ取引と識別するためのコードと、
前記プッシュ取引の識別に基づいて、プッシュ識別子を生成するためのコードと、
前記サーバ・コンピュータが実質的に完全な支払先情報を決定するためのコードと、
前記サーバ・コンピュータが、実質的に完全な支払先情報に応じて、認証要求を発行者に送るためのコードであって、認証要求が前記プッシュ識別子を含む前記送るためのコードと、を含む前記計算機読み取り可能媒体。 - 請求項18記載の計算機読み取り可能媒体において、前記実質的に完全な支払先情報を決定することが、前記支払先を少なくとも1つの予め定められた閾値の精度で決定することを含む、前記計算機読み取り可能媒体。
- 請求項19記載の計算機読み取り可能媒体において、予め定められた閾値が85%を含む、前記計算機読み取り可能媒体。
- 取引における支払先を識別するための計算機読み取り可能媒体であって、
サーバ・コンピュータが支払い指示メッセージを受け取るためのコードと、
前記サーバ・コンピュータが支払い指示メッセージを再審理し、当該支払い指示メッセージが支払先を決定するための情報を含んでいるかを判定するためのコードと、
前記取引を、プッシュ取引として識別するコードと、
前記プッシュ取引の識別に基づいて、プッシュ識別子を生成するコードと、
前記サーバ・コンピュータが、支払い指示メッセージ内の情報を、当該支払い指示メッセージに関係する支払先を実質的に識別するための複数のデータ・ストアの情報と比較するために、ファジー論理照合を使用するためのコードと、
を含み、
複数のデータ・ストアが少なくとも1つの売買業者に対して複数の識別子を含み、複数の識別子が名称用識別子、電話番号用識別子、および住所用識別子を含み、
更に、前記計算機読み取り可能媒体は、前記プッシュ識別子を含む認証要求を、発行者に送信するコードを含む、前記計算機読み取り可能媒体。
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PCT/US2009/030830 WO2009091722A1 (en) | 2008-01-15 | 2009-01-13 | System and method for data completion including push identifier |
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JP2011510399A JP2011510399A (ja) | 2011-03-31 |
JP5518740B2 true JP5518740B2 (ja) | 2014-06-11 |
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US (1) | US8249957B2 (ja) |
JP (1) | JP5518740B2 (ja) |
CA (1) | CA2711936A1 (ja) |
DE (1) | DE112009000137T5 (ja) |
GB (1) | GB2468817A (ja) |
TW (1) | TWI490798B (ja) |
WO (1) | WO2009091722A1 (ja) |
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- 2009-01-13 DE DE112009000137T patent/DE112009000137T5/de not_active Withdrawn
- 2009-01-13 WO PCT/US2009/030830 patent/WO2009091722A1/en active Application Filing
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- 2009-01-13 US US12/352,711 patent/US8249957B2/en active Active
- 2009-01-14 TW TW098101211A patent/TWI490798B/zh active
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WO2009091722A1 (en) | 2009-07-23 |
GB2468817A (en) | 2010-09-22 |
TW200937323A (en) | 2009-09-01 |
JP2011510399A (ja) | 2011-03-31 |
US8249957B2 (en) | 2012-08-21 |
GB201011864D0 (en) | 2010-09-01 |
DE112009000137T5 (de) | 2011-02-17 |
TWI490798B (zh) | 2015-07-01 |
US20090182654A1 (en) | 2009-07-16 |
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