WO2010049856A1 - Procédé et système de gestion du paiement pour une transaction entre un vendeur et un client du vendeur - Google Patents

Procédé et système de gestion du paiement pour une transaction entre un vendeur et un client du vendeur Download PDF

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Publication number
WO2010049856A1
WO2010049856A1 PCT/IB2009/054653 IB2009054653W WO2010049856A1 WO 2010049856 A1 WO2010049856 A1 WO 2010049856A1 IB 2009054653 W IB2009054653 W IB 2009054653W WO 2010049856 A1 WO2010049856 A1 WO 2010049856A1
Authority
WO
WIPO (PCT)
Prior art keywords
vendor
customer
payment
transaction
computer system
Prior art date
Application number
PCT/IB2009/054653
Other languages
English (en)
Inventor
Alastair Freimuth
Original Assignee
Alastair Freimuth
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Alastair Freimuth filed Critical Alastair Freimuth
Publication of WO2010049856A1 publication Critical patent/WO2010049856A1/fr
Priority to ZA2010/05352A priority Critical patent/ZA201005352B/en

Links

Classifications

    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • 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
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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

Definitions

  • the invention relates to a method and system for managing payment for a transaction between a vendor of goods or services and a customer of the vendor by an escrow agent.
  • a computer-aided method of managing payment for a transaction between a vendor of goods or services and a customer of the vendor by an escrow agent the method including the escrow agent:
  • the method may include issuing more than one unique release code to the customer, each unique release code being generated by the computer system and corresponding to a portion of the payment held in escrow; and releasing the payment held in escrow corresponding to each unique release code, on presentation of each unique release code by the vendor to the escrow agent.
  • the method may include notifying the vendor of the escrow agent receiving the payment from the customer.
  • the method may include notifying the vendor and the customer of the release of the payment or a portion thereof by the escrow agent to the vendor.
  • the method may include recording by means of the computer system a predetermined readiness time limit, being the time period within which the vendor expects to be ready to provide the goods or services; notifying the vendor that the readiness time limit has been reached; getting confirmation from the vendor, after expiry of the readiness time limit, that the vendor is ready to provide the goods or services; and notifying the customer to make the payment for the transaction once the confirmation is received from the vendor.
  • the method may include issuing to the vendor and the customer a unique transaction identifier for the transaction, generated by the computer system.
  • a computer system for aiding the implementation of the method of the first aspect of the invention comprising:
  • a database for storing the predetermined particulars of the vendor, the customer and the transaction, the particulars of the payment received and the or each unique release code
  • a computer program executable on a processor for utilising the database; for generating the or each unique release code; and for communicating with a server of a financial institution to facilitate the receipt of payment in relation to the transaction from the customer and the release to the vendor of the portion of the payment held in escrow corresponding to the or each unique release code;
  • a user interface providing for the entry of the predetermined particulars of the vendor, the customer and the transaction; for the presentation of the or each unique release code to the customer and for the entry of the or each unique release code by the vendor.
  • the user interface may provide for the notification of the vendor of the receipt of the payment by the escrow agent from the customer.
  • the user interface may provide for the notification of the vendor and the customer of the release of any portion of the payment by the escrow agent to the vendor.
  • the database may be configured to store a readiness time limit; the user interface providing for the entry of the readiness time limit, for notifying the vendor that the readiness time limit has been reached, for the confirmation by the vendor, after expiry of the readiness time limit, that the vendor is ready to provide the goods or services and for notifying the customer to make the payment for the transaction, on receipt of the confirmation from the vendor.
  • the database may be configured to store a unique transaction identifier for the transaction, the computer program being operable to generate the unique transaction identifier and the user interface providing for the presentation of the unique transaction identifier to the vendor and to the customer.
  • the user interface may include web pages which are accessible over the internet.
  • the user interface may include electronic mail messages which are sent and received by the computer program via an electronic mail system.
  • the user interface may include Short Message Service messages which are sent and received by the computer program via a Short Message Service system.
  • Figure 1 shows a flowchart describing the registration, transaction recording and customer payment phases of a computer-aided method for handling escrow arrangements in accordance with the first aspect of the invention
  • Figure 2 shows a flowchart describing the funds release phase of the computer-aided method of Figure 1 ;
  • Figure 3 shows a flowchart describing the readiness confirmation phase of the computer-aided method of Figure 1 ;
  • Figure 4 shows a block diagram describing a computer system in accordance with the second aspect of the invention.
  • a computer-aided method for handling escrow arrangements in accordance with the first aspect of the invention, is designated generally by the reference numeral 10.
  • the method consists, broadly, of a registration phase 12, a transaction recording phase 14, a readiness confirmation phase 16, a customer payment phase 18 and a funds release phase 20.
  • the vendor registers (block 22) with the escrow agent through a computer system in the form of an Automatic Escrow Service (AES).
  • AES Automatic Escrow Service
  • the vendor provides relevant particulars (block 24) such as personal identification information and banking details which are recorded by the AES.
  • the customer also registers (block 26) and provides relevant particulars (block 28) such as personal identification details which are recorded by the AES.
  • the Applicant envisages that for certain types of transactions the customer would only need to provide very limited particulars such as a contact number or an electronic mail address.
  • the vendor records (block 30) a transaction (block 32) with the customer on the AES.
  • the vendor specifies the amount to be paid in terms of the escrow arrangement and the number of stages in which the payment will be released.
  • the vendor can also specify a readiness time limit which is the time which the vendor indicated it would take to bring the product or service to a state of readiness for initial delivery or installation.
  • a readiness time limit which is the time which the vendor indicated it would take to bring the product or service to a state of readiness for initial delivery or installation.
  • the readiness confirmation phase 16 is only executed where the vendor has specified a readiness time limit on recording of the transaction.
  • the AES automatically sends (block 38) a message (block 40) to the vendor to notify the vendor that the readiness time limit has been reached and to get confirmation that the vendor is ready to provide the goods or services.
  • the vendor confirms (block 42) that the goods or services are ready the AES sends (block 44) a message (block 46) to notify the customer to make the payment for the transaction which is to be secured by means of the escrow arrangement.
  • the customer payment phase 18 follows directly after the transaction recording phase.
  • the customer pays (block 48) money for the transaction to the escrow agent through the AES.
  • the payment (block 50) is held in escrow by the escrow agent.
  • the AES sends (block 51 ) a message to the vendor to confirm the payment received and held in escrow.
  • the AES also generates (block 52) unique release codes, one unique release code corresponding to a portion of the payment held in escrow for each stage of the transaction.
  • the release codes are made available (block 54) to the customer.
  • the customer if satisfied with the relevant stage of delivery or installation of the product, provides (block 56) the unique release code (block 58) corresponding to the portion of the payment for that stage of the transaction to the vendor.
  • the vendor presents (block 60) the release code to the escrow agent through the AES.
  • the AES system releases (block 62) the payment held in escrow corresponding to the unique release code to the vendor.
  • Confirmatory messages (block 64) confirming finalisation of payment through the AES for the stage of the transaction is sent (block 66) to both the vendor and the customer. The sequence is repeated until all the release codes have been presented and all the stages of the transaction have been completed.
  • a computer system for implementing the computer-aided method is designated generally by the reference numeral 100.
  • the system consists of a database 102 which is executable on a computer server 104, processing means in the form of a computer program 106 which is executable on a processor 107 of the computer server 104 and a user interface comprising a web channel in the form of web pages 108 which are accessible over the internet and a messaging channel in the form of electronic mail messages 1 10 which are sent and received by the computer program via an electronic mail system (not shown).
  • the predetermined particulars of vendors and customers are entered via the web pages 108.
  • the computer program 106 inserts the predetermined particulars of the vendors and the customers into the database 102.
  • the predetermined particulars of the transaction are entered via the web pages 108.
  • the computer program 106 generates the unique transaction identifier for the transaction.
  • the computer program initiates the sending of notifications, in the form of electronic mail messages 1 10 containing the unique transaction identifier, to the vendor 1 12 and the customer 1 14.
  • the computer program 106 automatically initiates, on reaching the readiness time limit, an electronic mail message 1 10 to the vendor 1 12 to notify the vendor that the readiness time limit has been reached.
  • the computer program is operable to receive an electronic mail message 1 10 from the vendor indicating that the goods or services are ready and thereon initiates an electronic mail message 110 to the customer 1 14 to make the payment in relation to the transaction.
  • the payment in relation to the transaction is initiated by the customer 1 14 via the web pages 108.
  • the computer program 106 communicates with a financial institution server 1 16 to facilitate the receipt of payment in relation to the transaction.
  • the computer program inserts details of the payment received into the database 102 and generates the unique release codes.
  • the computer program further initiates an electronic mail message 1 10 to the vendor confirming the payment received.
  • An electronic mail message 1 10 to the customer, containing the unique release codes, is also initiated by the computer program.
  • the vendor 1 12 presents each unique release code by entering it via the web pages 108.
  • the release to the vendor of the portion of the payment held in escrow corresponding to each unique release code is initiated by the computer program 106 on presentation of each release code.
  • the computer program communicates with the financial institution server 1 16 to facilitate the release of the portion of the payment corresponding to each unique release code and inserts details of each released portion into the database 102.
  • the computer program initiates electronic mail messages 1 10 to the vendor and the customer on each release of a portion of the payment.
  • the web pages 108 allow for the particulars of vendors, customers and transactions to be viewed by authorised users.
  • the Applicant envisages that the computer-aided method for handling escrow arrangements will allow for vendors to secure payment for their goods or services while allowing customers adequate control over the release of the payment thereof.
  • the Applicant further envisages that the computer system for implementing the computer- aided method will allow for the implementation of the method in an accessible, efficient and user-friendly manner.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne, d'une part un procédé assisté par ordinateur pour la gestion par un dépositaire du paiement lié à une transaction entre un vendeur de biens ou de services et un client du vendeur, et d'autre part un système informatique (100) conçu pour aider à la mise en œuvre du procédé. Selon le procédé aidé par ordinateur, le dépositaire reçoit le règlement du client, garde en dépôt le montant du règlement du client, émet un code libératoire unique correspondant au règlement, code libératoire que le client pourra ultérieurement présenter au vendeur s'il est satisfait des biens ou services fournis par le vendeur, et libère le montant gardé en dépôt correspondant au code libératoire unique, sur présentation au dépositaire du code libératoire unique par le vendeur. Le système informatique (100) comprend une base de données (102), un logiciel (106) exécutable sur un processeur (107) et une interface utilisateur comprenant des pages web (108) et des messages de courrier électronique (110).
PCT/IB2009/054653 2008-10-30 2009-10-21 Procédé et système de gestion du paiement pour une transaction entre un vendeur et un client du vendeur WO2010049856A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
ZA2010/05352A ZA201005352B (en) 2008-10-30 2010-07-27 A method and system for managing payment for a transaction between a vendor and a customer of the vendor

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA2008/09325 2008-10-30
ZA200809325 2008-10-30

Publications (1)

Publication Number Publication Date
WO2010049856A1 true WO2010049856A1 (fr) 2010-05-06

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2009/054653 WO2010049856A1 (fr) 2008-10-30 2009-10-21 Procédé et système de gestion du paiement pour une transaction entre un vendeur et un client du vendeur

Country Status (2)

Country Link
WO (1) WO2010049856A1 (fr)
ZA (1) ZA201005352B (fr)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2398508A1 (fr) * 2001-10-19 2003-04-19 U-Haul International, Inc. Marche en ligne pour services de demenagement et de relocalisation
EP1365368A2 (fr) * 2002-05-23 2003-11-26 SK Telekom Co., Ltd. Système et procédé pour des transactions financières
US20050246268A1 (en) * 2002-08-16 2005-11-03 Inter-Net Payments Patents Limeted Funds transfer method and system
US20060253339A1 (en) * 2005-05-05 2006-11-09 Moneet Singh System and process for escrow of payments

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2398508A1 (fr) * 2001-10-19 2003-04-19 U-Haul International, Inc. Marche en ligne pour services de demenagement et de relocalisation
EP1365368A2 (fr) * 2002-05-23 2003-11-26 SK Telekom Co., Ltd. Système et procédé pour des transactions financières
US20050246268A1 (en) * 2002-08-16 2005-11-03 Inter-Net Payments Patents Limeted Funds transfer method and system
US20060253339A1 (en) * 2005-05-05 2006-11-09 Moneet Singh System and process for escrow of payments

Also Published As

Publication number Publication date
ZA201005352B (en) 2011-10-26

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