RU2004130461A - Система и способ для покупки товаров и услуг через пункты доступа к сети передачи данных посредством сети торговых терминалов - Google Patents
Система и способ для покупки товаров и услуг через пункты доступа к сети передачи данных посредством сети торговых терминалов Download PDFInfo
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- RU2004130461A RU2004130461A RU2004130461/09A RU2004130461A RU2004130461A RU 2004130461 A RU2004130461 A RU 2004130461A RU 2004130461/09 A RU2004130461/09 A RU 2004130461/09A RU 2004130461 A RU2004130461 A RU 2004130461A RU 2004130461 A RU2004130461 A RU 2004130461A
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Classifications
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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
- G07F7/0866—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 by active credit-cards adapted therefor
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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
- G06Q20/08—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
- G06Q20/12—Payment architectures specially adapted for electronic shopping 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
- G06Q20/20—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
- 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
-
- 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
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/42—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for ticket printing or like apparatus, e.g. apparatus for dispensing of printed paper tickets or payment cards
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Physics & Mathematics (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Finance (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Economics (AREA)
- Development Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Marketing (AREA)
- Microelectronics & Electronic Packaging (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)
- Meter Arrangements (AREA)
Claims (22)
1. Способ покупки товаров или услуг с использованием карт счета предварительной оплаты, включающий этапы:
(a) доступа к устройству обслуживания,
(b) выбора товара или услуги для покупки через устройство торгового терминала,
(c) обеспечения информации о платеже через устройство торгового терминала в сеть передачи данных,
(d) получения идентификации счета предварительной оплаты из мобильного компонента через устройство торгового терминала и
(e) пополнения счета предварительной оплаты посредством представления идентификации счета предварительной оплаты поставщику выбранного товара или услуги.
2. Система по п. 1, в которой мобильным компонентом является карта счета предварительной оплаты.
3. Система по п. 1, в которой мобильным компонентом является Универсальная Телефонная Карта.
4. Система по п. 1, в которой мобильным компонентом является интеллектуальная карта.
5. Способ по п. 1, в котором этап обеспечения информации о платеже включает предложение платежа третьей стороне, которая обеспечивает код верификации платежа для представления через устройство торгового терминала.
6. Система пополнения по предварительно оплачиваемым услугам с использованием сети передачи данных, содержащая:
мобильный компонент, содержащий данные счета предварительной оплаты для счета предварительной оплаты пользователя,
систему транзакций, связанную с упомянутыми данными счета предварительной оплаты, для изменения упомянутого счета предварительной оплаты в ответ на запрос на транзакцию пользователя через устройство торгового терминала,
систему связи, связанную с упомянутым счетом предварительной оплаты, для изменения упомянутого счета предварительной оплаты в ответ на использование услуг, соответствующих счету предварительной оплаты пользователя, и
систему платежей, связанную с упомянутой системой транзакций, для выполнения транзакции расчета платежей, основанной на выполнении запроса на транзакцию пользователя.
7. Система по п. 6, дополнительно содержащая систему маршрутизации для сети передачи данных, причем запрос на обслуживание пользователя направляется упомянутым устройством торгового терминала в систему маршрутизации.
8. Система по п. 6, дополнительно содержащая сервер приложений, при этом запрос на обслуживание пользователя направляется упомянутым устройством торгового терминала в сервер приложений.
9. Система по п. 6, дополнительно содержащая систему криптографии, причем по меньшей мере часть запроса на обслуживание пользователя направляется через упомянутую систему криптографии и шифруется для удовлетворения стандартам шифрования сети передачи данных.
10. Система по п. 6, в которой мобильным компонентом является карта счета предварительной оплаты.
11. Система по п. 6, в которой мобильным компонентом является Универсальная Телефонная Карта.
12. Система по п. 6, в которой мобильным компонентом является интеллектуальная карта.
13. Способ обеспечения первоначального платежа и последующего пополнения счета предварительной оплаты за товары или услуги через сеть передачи данных, включающий этапы:
(a) получения запроса на транзакцию пользователя для первоначального платежа или последующего пополнения по счету предварительной оплаты пользователя через устройство обслуживания,
(b) верификации существования счета предварительной оплаты пользователя посредством связи с источником данных счета предварительной оплаты, доступным для поставщика услуг или товаров,
(c) верификации способа платежа, соответствующего запросу на транзакцию пользователя, через сеть передачи данных,
(d) обновления счета предварительной оплаты для отражения запроса на транзакцию пользователя и
(e) возвращения подтверждения выполнения для пользователя запроса на транзакцию пользователя.
14. Способ по п. 13, дополнительно включающий этап доступа к системе криптографии для шифрования данных способа платежа для выдачи в сеть передачи данных.
15. Способ по п. 13, в котором этап верификации способа платежа включает верификацию платежа, полученного в местоположении удаленного пользователя.
16. Способ по п. 13, в котором запрос на транзакцию пользователя содержит одно сообщение, содержащее все данные, введенные пользователем, для совершения первоначального платежа или транзакции пополнения.
17. Система покупки товаров или услуг с использованием счетов предварительной оплаты, содержащая:
источник данных счетов предварительной оплаты, содержащий множество однозначно определенных идентификаторов счетов предварительной оплаты,
систему транзакций, связанную с упомянутым источником данных счетов предварительной оплаты, для извлечения идентификатора счета предварительной оплаты в ответ на запрос на транзакцию пользователя и
устройство обслуживания для принятия запроса на обслуживание пользователя и принятия идентификатора счета предварительной оплаты от пользователя.
18. Система по п. 17, в которой однозначно определенный идентификатор счета предварительной оплаты содержится в мобильном компоненте.
19. Система по п. 18, в которой мобильным компонентом является карта счета предварительной оплаты.
20. Система по п. 18, в которой мобильным компонентом является Универсальная Телефонная Карта.
21. Система по п. 18, в которой мобильным компонентом является интеллектуальная карта.
22. Система по п. 17, дополнительно содержащая сеть передачи данных, связанную с упомянутой системой транзакций, для обеспечения расчета платежей.
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US36388402P | 2002-03-14 | 2002-03-14 | |
US60/363,884 | 2002-03-14 |
Publications (2)
Publication Number | Publication Date |
---|---|
RU2004130461A true RU2004130461A (ru) | 2005-04-10 |
RU2323477C2 RU2323477C2 (ru) | 2008-04-27 |
Family
ID=28041826
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
RU2004130461/09A RU2323477C2 (ru) | 2002-03-14 | 2003-03-14 | Система и способ для покупки товаров и услуг через пункты доступа к сети передачи данных посредством сети торговых терминалов |
Country Status (12)
Country | Link |
---|---|
US (1) | US20040078332A1 (ru) |
EP (1) | EP1490745A4 (ru) |
CN (1) | CN1647088A (ru) |
AU (1) | AU2003218178B2 (ru) |
CA (1) | CA2479179A1 (ru) |
HR (1) | HRP20040957A2 (ru) |
NZ (1) | NZ546789A (ru) |
PL (1) | PL373282A1 (ru) |
RS (1) | RS50747B (ru) |
RU (1) | RU2323477C2 (ru) |
WO (1) | WO2003079159A2 (ru) |
ZA (1) | ZA200407341B (ru) |
Cited By (1)
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RU2675908C1 (ru) * | 2017-06-20 | 2018-12-25 | Общество с ограниченной ответственностью "АЙ ТИ МОЛЛ" | Способ управления информацией с использованием Всемирной виртуальной торгово-социальной сети, функционирующей в среде Интернет |
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RU2675908C1 (ru) * | 2017-06-20 | 2018-12-25 | Общество с ограниченной ответственностью "АЙ ТИ МОЛЛ" | Способ управления информацией с использованием Всемирной виртуальной торгово-социальной сети, функционирующей в среде Интернет |
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EP1490745A2 (en) | 2004-12-29 |
CN1647088A (zh) | 2005-07-27 |
CA2479179A1 (en) | 2003-09-25 |
RS90104A (en) | 2006-10-27 |
WO2003079159A8 (en) | 2004-06-10 |
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