KR20020035796A - 금융 거래 처리 시스템 및 방법 - Google Patents
금융 거래 처리 시스템 및 방법 Download PDFInfo
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Abstract
Description
Claims (50)
- 고객 확인 데이터를 포함하는 신호를 다수의 포인트-오브-세일(point-of-sale) 장치 중 한 장치로 전송하는 단계;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 다수의 포인트-오브-세일 장치 중 한 장치로부터 거래 처리 시스템으로 전송하는 단계;상기 고객 확인 데이터로부터 상인 확인에 대응하는 지불 프로세서를 결정하는 단계;상기 허가 요청을 상기 지불 프로세서로 전송하는 단계; 및상기 허가 요청에 대한 상기 지불 프로세서의 응답을 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 단계를 포함하는 거래 처리 방법.
- 제 1 항에 있어서, 상기 고객 확인 데이터는 고객에 의하여 다수의 포인트-오브-세일 장치 중 한 장치에서 수동으로 입력된 개인 확인 번호를 더 포함하는 거래 처리 방법.
- 고객 확인 데이터를 포함하는 신호를 포인트-오브-세일(point-of-sale) 장치에서 수신하는 단계;상인 확인(merchant identifier), 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 포인트-오브-세일 장치로부터 거래 처리 시스템으로 전송하는 단계; 및상기 거래 처리 시스템으로부터 허가 요청에 대한 응답을 수신하는 단계를 포함하는 거래 처리 방법.
- 제 3 항에 있어서, 상기 고객 확인 데이터는 고객에 의하여 상기 포인트-오브-세일 장치에서 수동으로 입력된 개인 확인 번호를 더 포함하는 거래 처리 방법.
- 고객 확인 데이터를 포함하는 신호를 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 단계;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 다수의 포인트-오브-세일 장치 중 한 장치로부터 상기 거래 처리 시스템으로 전송하는 단계; 및상기 거래 데이터 및 상기 고객 확인 데이터로 데이터 베이스를 경신하는 단계를 컴퓨터로 실행하는 것을 포함하는, 거래 시스템에서의 고객 구매 경향 정보를 수집하는 방법.
- 제 5 항에 있어서, 상기 고객 확인 데이터는 고객에 의하여 포인트-오브-세일 장치들중 한 장치에서 수동으로 입력된 개인 확인 번호를 더 포함하는 거래 처리 방법.
- 제 5 항에 있어서, 허가 요청 전송 단계는,상기 고객 확인 데이터로부터 상기 상인 확인에 대응하는 지불 프로세서를 결정하는 단계; 및허가를 위하여 상기 거래 처리 시스템으로부터 상기 허가 요청을 상기 지불 프로세서로 전송하는 단계를 더 포함하는 방법.
- 제 7 항에 있어서, 데이터 베이스 경신 단계는 상기 지불 프로세서가 상기 거래를 허가할 때, 상기 거래 데이터 및 상기 고객 확인 데이터로 데이터베이스를 경신하는 단계를 더 포함하는 방법.
- 고객 확인 데이터를 포함하는 신호를 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 단계;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 다수의 포인트-오브-세일 장치들 중 한 장치로부터 상기 거래 처리 시스템으로 전송하는 단계; 및상기 거래 데이터를 나타내는 로열티 포인트를 데이터베이스 내의 고객 계좌에 주는(crediting) 단계를 포함하는 상인 보상 프로그램 내의 고객 진척 (progress) 모니터링 방법.
- 제 9 항에 있어서, 상기 고객 확인 데이터는 고객에 의하여 다수의 포인트-오브-세일 장치들 중 한 장치에서 수동으로 입력된 개인 확인 번호를 더 포함하는 거래 처리 방법.
- 제 9 항에 있어서, 허가 요청 전송 단계는,상기 고객 확인 데이터로부터 상기 상인 확인에 대응하는 지불 프로세서를 결정하는 단계; 및허가를 위하여 상기 거래 처리 시스템으로부터 상기 허가 요청을 상기 지불 프로세서로 전송하는 단계를 더 포함하는 방법.
- 제 11항에 있어서, 데이터 베이스 경신 단계는 상기 지불 프로세서가 상기 거래를 허가할 때, 상기 거래 데이터 및 상기 고객 확인 데이터로 데이터 베이스를 경신하는 단계를 더 포함하는 방법.
- 고객 확인 데이터를 포함하는 신호를 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 수단;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 다수의 포인트-오브-세일 장치 중 한 장치로부터 거래 처리 시스템으로 전송하는 수단;상기 고객 확인 데이터로부터 상인 확인에 대응하는 지불 프로세서를 결정하는 수단;상기 허가 요청을 상기 지불 프로세서로 전송하는 수단; 및상기 지불 프로세서로부터의 응답을 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 수단을 포함하는 거래 처리 방법.
- 고객 확인 데이터를 포함하는 신호를 무선 전송 매체를 통하여 점원 (attendant)과 함께 배치된 상인 트랜스시버로 전송하는 단계;상기 고객 확인 데이터로부터 고객 확인 데이터와 대응하는 개인 서비스를 결정하는 단계; 및점원에 의하여 상기 고객에게 개인적인 서비스를 제공하는 단계를 포함하는, 고객에게 개인적인 서비스를 제공하기 위한 목적으로 고객을 확인하는 방법.
- 제 14 항에 있어서, 상기 고객 확인 데이터는 고객에 의하여 포인트-오브-세일 장치에서 수동으로 입력된 개인 확인 번호를 더 포함하는 거래 처리 방법.
- 고객 확인 데이터를 포함하는 신호를 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 단계;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 다수의 포인트-오브-세일 장치 중 한 장치로부터 거래 처리 시스템으로 전송하는 단계;상기 고객 확인 데이터로부터 상인 확인에 대응하는 지불 프로세서를 결정하는 단계;상기 허가 요청을 상기 지불 프로세서로 전송하는 단계; 및상기 허가 요청에 대한 상기 지불 프로세서의 응답을 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 단계를 포함하는 거래 처리를 위한 명령들 (instructions)을 포함하는 컴퓨터 독출가능한 매체.
- 제 16 항에 있어서, 다수의 포인트-오브-세일 장치 중 한 장치로 신호를 전송하는 단계는 고객에 의하여 입력된 개인 확인 번호를 입력하는(capturing) 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 고객 확인 데이터를 포함하는 신호를 포인트-오브-세일 장치에서 수신하는 단계;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 포인트-오브-세일 장치로부터 거래 처리 시스템으로 전송하는 단계; 및상기 지불 프로세서로부터 응답을 수신하는 단계를 포함하는 거래 처리를 위한 명령들을 포함하는 컴퓨터 독출가능한 매체.
- 제 18 항에 있어서, 포인트-오브-세일 장치에서 신호를 수신하는 단계는 고객에 의하여 입력된 개인 확인 번호를 입력하는 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 고객 확인 데이터를 포함하는 신호를 포인트-오브-세일 장치중 한 장치로 전송하는 단계;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 포인트-오브-세일 장치들중 한 장치로부터 거래 처리 시스템으로 전송하는 단계; 및상기 거래 데이터 및 상기 고객 확인 데이터로 데이터 베이스를 경신하는 단계를 컴퓨터로 실행하는 것을 포함하는, 거래 시스템에서 고객 구매 경향 정보를 수집하기 위한 명령들을 포함하는 컴퓨터 독출가능한 매체.
- 제 20 항에 있어서, 다수의 포인트-오브-세일 장치 중 한 장치로 신호를 전송하는 단계는 고객에 의하여 입력된 개인 확인 번호를 입력하는 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 제 20 항에 있어서, 허가 요청 전송 단계는,상기 고객 확인 데이터로부터 상기 상인 확인에 대응하는 지불 프로세서를 결정하는 단계; 및허가를 위하여 상기 거래 처리 시스템으로부터 상기 허가 요청을 상기 지불 프로세서로 전송하는 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 제 22 항에 있어서, 데이터 베이스 경신 단계는 상기 지불 프로세서가 상기 거래를 허가할 때, 상기 거래 데이터 및 상기 고객 확인 데이터로 데이터베이스를 경신하는 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 고객 확인 데이터를 포함하는 신호를 다수의 포인트-오브-세일 장치 중 한 장치로 전송하는 단계;상인 확인, 거래 데이터 및 고객 확인 데이터를 포함하는 허가 요청을 다수의 포인트-오브-세일 장치들중 한 장치로부터 상기 거래 처리 시스템으로 전송하는 단계; 및상기 거래 데이터를 나타내는 로열티 포인트를 데이터베이스 내의 고객 계좌에 주는 단계를 포함하는, 상인 보상 프로그램 내의 고객 진척(progress)을 모니터링하기 위한 명령들을 포함하는 컴퓨터 독출 가능한 매체.
- 제 24 항에 있어서, 다수의 포인트-오브-세일 장치 중 한 장치로 신호를 전송하는 단계는 고객에 의하여 입력된 개인 확인 번호를 입력하는 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 제 24 항에 있어서, 허가 요청 전송 단계는,상기 고객 확인 데이터로부터 상기 상인 확인에 대응하는 지불 프로세서를 결정하는 단계; 및허가를 위하여 상기 거래 처리 시스템으로부터 상기 허가 요청을 상기 지불 프로세서로 전송하는 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 제 26 항에 있어서, 데이터 베이스 경신 단계는 상기 지불 프로세서가 상기 거래를 허가할 때, 상기 거래 데이터 및 상기 고객 확인 데이터로 데이터베이스를 경신하는 단계를 더 포함하는 컴퓨터 독출 가능한 매체.
- 고객 트랜스시버;상기 고객 트랜스시버에 가동 동력을 제공하고 상기 고객 트랜스시버가 인접하게 위치할 때 상기 고객 트랜스시버와 정보를 교환하기 위한 트랜스시버 안테나를 포함하는 상인 트랜스시버;거래 데이터를 입력하고, 허가 요청을 형성하기 위하여 거래 데이터를 수신된 고객/송신기 ID 번호 및 상인 확인과 결합하고, 거래 처리 시스템으로 허가 요청을 전송하기 위한, 상기 상인 트랜스시버와 연결된 포인트-오브-세일 장치 프로세서; 및거래 처리 시스템을 포함하되, 상기 거래 처리 시스템은;프로그램 명령을 구비한 메모리; 및상기 프로그램 명령을 이용하도록 구성된 프로세서를 포함하여, 상기 허가 요청을 수신하고; 상기 고객 확인 데이터로부터 상기 상인 확인에 대응하는 지불 프로세서를 결정하고; 허가를 위하여 상기 허가 요청을 상기 지불 프로세서로 전송하고; 상기 허가 요청에 대한 지불 프로세서의 응답을 다수의 포인트-오브-세일 장치중 한 장치로 전송하는, 거래 처리 시스템.
- 제 28 항에 있어서, 상기 고객 트랜스시버는 정보를 저장하기 위하여 작동할 수 있는 메모리를 더 포함하는 장치.
- 제 29 항에 있어서, 상기 메모리는 송신기 ID 또는 고객 ID를 저장하기 위하여 작동 가능한 시스템.
- 제 29 항에 있어서, 상기 고객 트랜스시버는 상기 메모리에 연결된 프로세서를 더 포함하며, 상기 프로세서는 상기 메모리로부터의 데이터 읽기와 상기 메모리로의 데이터 서입에 적합한 시스템.
- 제 31 항에 있어서, 상기 고객 트랜스시버는 생물 측정 데이터를 입력하고 상기 데이터를 상기 데이터의 전자적인 표현으로 변환하도록 작동 가능한 보안 패드를 더 포함하는 시스템.
- 제 32 항에 있어서, 상기 생물 측정 데이터는 지문인 시스템.
- 제 32 항에 있어서, 상기 생물 측정 데이터는 장문인 시스템.
- 제 32 항에 있어서, 상기 프로세서는,생물 측정 데이터의 전자적인 표현을 상기 메모리 내에 저장된 디지털 이미지와 비교하기 적합하고;상기 입력된 생물학적 데이터가 상기 메모리 내에 저장된 상기 디지털 이미지와 동일할 때 상기 송신기 ID 또는 고객 ID를 전송하기에 적합한 시스템.
- 제 31 항에 있어서, 상기 프로세서는,거래 금액을 상기 메모리에 저장된 금액과 비교하기 적합하고;상기 거래 금액이 상기 금액보다 클 때 상기 송신기 ID와 고객 ID의 전송을 억제하기에 적합한 시스템.
- 제 31 항에 있어서, 상기 프로세서는 상기 거래가 승인될 때 상기 메모리 내에 저장된 금액으로부터 상기 거래 금액을 공제하기 적합한 시스템.
- 제 29 항에 있어서, 상기 고객 트랜스시버는,메모리에 연결된 프로세서; 및프로세서에 연결된 키보드를 더 포함하되,상기 프로세서는 상기 메모리 내에 저장된 또는 상기 키보드를 통하여 수동으로 입력된 정보를 전송하기 위하여 작동할 수 있는 시스템.
- 제 28 항에 있어서, 상기 고객 트랜스시버는 의류 제품 내에 내장된 (embedded) 시스템.
- 제 28 항에 있어서, 상기 고객 트랜스시버는 보석 제품 내에 내장된 시스템.
- 제 28 항에 있어서, 상기 고객 트랜스시버는 전자 장치 내에 내장된 시스템.
- 제 28 항에 있어서, 상기 상인 트랜스시버는,트랜스시버에 연결된 프로세서; 및프로세서에 연결된 키보드를 더 포함하되,상기 프로세서는 수동으로 상기 키보드 내로 입력된 또는 상기 트랜스시버를 통하여 수신된 정보를 수신하기 위하여 작동할 수 있는 시스템.
- 제 42 항에 있어서, 상기 상인 트랜스시버는 사용자에게 정보를 디스플레이하기 위한 디스플레이 장치를 더 포함하는 시스템.
- 제 42 항에 있어서, 상기 상인 트랜스시버는 영수증을 프린팅하기 위한 프린터를 더 포함하는 시스템.
- 제 42 항에 있어서, 상기 상인 트랜스시버는 거래에 관련된 정보를 저장하기 위하여 작동가능한 메모리를 더 포함하는 시스템.
- 제 42 항에 있어서, 상기 상인 트랜스시버는 외부 컴퓨팅 장치와의 통신을 위하여 통신 인터페이스를 더 포함하는 시스템.
- 제 46 항에 있어서, 상기 통신 인터페이스는 포인트-오브-세일 장치에 무선 상호 통신 능력(connectivity)을 제공하는 시스템.
- 제 46 항에 있어서, 상기 통신 인터페이스는 CATV 네트워크에 상호 통신 능력을 제공하는 시스템.
- 제 46 항에 있어서, 상기 통신 인터페이스는 공중 절환된 전화 네트워크 (PSTN)에 상호 통신 능력을 제공하는 시스템.
- 제 46 항에 있어서, 상기 통신 인터페이스는 셀프 서비스 자동 판매기 또는 공중전화에 상호 통신 능력을 제공하는 시스템.
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CN (1) | CN1348566A (ko) |
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HK (1) | HK1046182A1 (ko) |
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-
2000
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- 2000-02-18 EP EP00910232A patent/EP1190350A4/en not_active Ceased
- 2000-02-18 TR TR2001/02398T patent/TR200102398T2/xx unknown
- 2000-02-18 WO PCT/US2000/004163 patent/WO2000049551A1/en active IP Right Grant
- 2000-02-18 AU AU32359/00A patent/AU772850B2/en not_active Expired
- 2000-02-18 AU AU2004203589A patent/AU2004203589B2/en not_active Expired
- 2000-02-18 JP JP2000600219A patent/JP4593790B2/ja not_active Expired - Lifetime
- 2000-02-18 NZ NZ513729A patent/NZ513729A/xx not_active IP Right Cessation
- 2000-02-18 KR KR1020077030756A patent/KR20080005615A/ko not_active Application Discontinuation
- 2000-02-18 KR KR1020017010426A patent/KR100863319B1/ko active IP Right Grant
- 2000-02-18 CN CN00806281A patent/CN1348566A/zh active Pending
- 2000-02-18 BR BR0008316-0A patent/BR0008316A/pt not_active Application Discontinuation
- 2000-02-18 IL IL14484600A patent/IL144846A0/xx active IP Right Grant
- 2000-02-18 CA CA002363199A patent/CA2363199A1/en not_active Abandoned
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AU772850B2 (en) | 2004-05-06 |
ZA200106503B (en) | 2002-11-07 |
EP1190350A4 (en) | 2006-10-18 |
KR20080005615A (ko) | 2008-01-14 |
CA2363199A1 (en) | 2000-08-24 |
US7571139B1 (en) | 2009-08-04 |
TR200102398T2 (tr) | 2002-02-21 |
WO2000049551A1 (en) | 2000-08-24 |
AU2004203589B9 (en) | 2004-09-02 |
NZ513729A (en) | 2001-09-28 |
EP1190350A1 (en) | 2002-03-27 |
US20090228336A1 (en) | 2009-09-10 |
CN1348566A (zh) | 2002-05-08 |
IL144846A0 (en) | 2002-06-30 |
AU2004203589B2 (en) | 2007-09-20 |
JP4593790B2 (ja) | 2010-12-08 |
HK1046182A1 (zh) | 2002-12-27 |
JP2002542530A (ja) | 2002-12-10 |
IL144846A (en) | 2007-07-24 |
AU3235900A (en) | 2000-09-04 |
BR0008316A (pt) | 2002-06-11 |
KR100863319B1 (ko) | 2008-10-15 |
AU2004203589A1 (en) | 2004-09-02 |
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