WO2016166572A1

WO2016166572A1 - System and method for temporary transactions creation service for payment in person of online purchases

Info

Publication number: WO2016166572A1
Application number: PCT/IB2015/052756
Authority: WO
Inventors: Otto REYES
Original assignee: Reyes Otto
Priority date: 2015-04-15
Filing date: 2015-04-15
Publication date: 2016-10-20

Abstract

The present invention provides for online shopping trade and more specifically to facilitate payment in person of online purchases at payment collection centers. The user chooses goods or services at registered online stores on the temporary transactions service. Choose as payment the temporary transactions creation service for payment in person of online purchases option. If the user is not a registered user of the temporary transaction creation service, he or she is invited to register. A temporary transaction is created that has a limited duration of time. The user heads within the period of the temporary transaction to one of the payment centers stipulated, makes payment in person and receives the product or service days after. The online store receives its funding from the payment center. If no payment is received during the lifespan of the temporary transaction, the temporary transaction is canceled without penalty.

Description

System and Method for Temporary Transactions Creation Service for Payment in Person of Online Purchases.

Description

Technical Field of the Invention. The present invention relates to electronic commerce and more specifically the creation of temporary transactions service for payment in person of online purchases in payment centers. State of the Art

On the Internet many users want to buy products or services at online stores but they do not have credit card, debit card, virtual bank account or other digital payment method, or will not give their personal financial data online, for security reasons.

Internet and online shopping are growing and now users have more available input devices for surfing the Internet; smart phones and tablets are giving more access to the Internet to a wider audience. New technologies are available, such as bar code scanners or sensors that collect information from products on mobile input devices and make them accessible to users for online buying. This expands the potential market for companies that sell products or services online.

There is a need for users to buy online and pay with other payment methods other than digital, to be able to go to a payment collection center and pay in person orders from stores subscribed to online temporary transactions service for payment in person of online purchases.

This gives a new alternative for users who want to shop online and do not want to disclose their personal financial information or do not have credit card, debit card or some other methods of digital payment. It is also suitable for older people who want to buy online but have not mastered the intricacies of the Internet.

Currently there are other ways to pay for electronic purchases but no options for people who have no credit card, debit card or access to digital transfer access or unwilling to provide their financial information online and wish to make payment in person at a

Payment Collection Center.

This service creating temporary payment transactions for online shopping person creates a temporary transaction that allows people pay in person to shop online in a Payment Collection Center.

Detailed Description

The present invention relates to a system and method for Temporary Transactions

Creation Service for Payment in Person of Online Purchases to make purchases at online stores without providing on the website of the online seller, credit card details or digital transfer of funds by the user.

The following description is presented to enable any person skilled in the art to understand the invention and particular applications of the invention and its requirements is provided in the context.

Various modifications to the described configurations will be readily apparent to those skilled in the art and the general principles defined herein may be applied to other configurations and applications without departing from the spirit and scope of the present invention. Thus, the present invention is not intended to be limited to the configurations shown, but is to be accorded widest scope consistent with the principles and features described herein. The program environment in which this form of embodiment of the invention is executed illustratively incorporates a general purpose computer or special purpose device such as a hand held computer. Details of such devices (eg, processor, memory, data storage, display, communication capacity wired / wireless) are omitted for clarity. Should also be understood that the techniques of the present invention may be

implemented using a variety of technologies. For example, the methods described herein may be implemented in software running on a computer system, or implemented in hardware utilizing either a combination of microprocessors or other specific integrated circuits specially designed application, programmable logic devices, or various

combinations thereof. In particular, the methods described herein may be implemented by a series of computer-executable instructions residing on a storage medium such as a computer readable medium carrier wave, disk drive, or. Illustrative forms of carrier waves may take the form of electrical, electromagnetic or optical transport streams of digital data over a local network or public access network such as the Internet signals.

In the following discussion, numerous specific details are set forth to provide a thorough understanding of the present invention. However, those skilled in the art that the present invention may be practiced without these specific details. In other instances, well-known elements have been illustrated as a schematic block diagram in order not to obscure the present invention with unnecessary detail. These additional elements are not part of the invention but support the same.

To provide this service creating Temporary Transactions for Payment in Person of online purchases a computer program that can be read by a computer, that be can connected to the database systems buyer and payment collection system of the payment centers, it is necessary to producing a data processing apparatus to perform operations comprising:

Comprising a computer readable connection to the database merchant, the system transactions and creating temporary collection center to create temporary transactions for payment in person. This connection must allow the exchange of information between the system of Temporary Creation Service, merchant database and Payment Collection Center to create Temporary Transactions for Payment in Person of Online Purchases. This digital connection is a different from vendor online system. In addition to create Temporary Transactions is necessary that the computer program allows the user to create a user profile registered with Temporary Transactions Service, When creating the registered user profile, the user chooses a name to identify, creates a password and indicates what or what device (s) to receive digital input notifications from his or her Temporary Transactions for Payment in Person of Online Purchases.

Particularly, the present invention is directed to providing an alternative for users to buy some physical, digital good or service in an online store and do not want to use their credit card or other methods of digital payment, either because they do not want to give their financial data on the Internet or do not have credit card or digital bank account. Also it may 105 interest Internet users who want to buy online but are aware of the risks to their financial data in the online environment. Can be used by individuals and for business transactions also.

Only, it is required that the user, when purchasing, indicate as the payment method at the 110 online store subscribed to the service, the Temporary Transactions Creation Service for Payment in Person of Online Purchases as desired payment method, Temporary

Transactions Creation Service will create a unique code that identifies the unique temporary transaction. With the generated Temporary Transaction unique code, the user can head to the Payment Collection Center that can be an institution, bank or network of 115 banks and others, as appropriate and there with its unique code of their Temporary

Transaction, the user will pay the amount of the online purchase. Payment can only be made if within the period of validity of the Temporary Transaction. User will receive the goods or services after payment.

120 Brief Description of the Drawings

Various objects, features, aspects, and advantages of the present invention will become more apparent from the following description of the invention along with the accompanying drawings in which like numerals represent like components

125

For a more complete understanding of the present invention and the advantages thereof, reference is now made to the following detailed description taken in conjunction with the accompanying drawings, in which:

130 (FIG. 1 A) and (FIG. 1 B) illustrate a method of creating service temporary payment

transactions for online shopping person; And (FIG. 2) shows schematically a system for creating temporary service transactions for payment in person online shopping.

(FIG 1 A) The user (101 ) chooses a product or service (110) from the user input device. As 135 user input device may include but not limited to: personal computer, smart phone, tablet, among others.

The user (101 ) chooses a the product or service in the online store on the Internet (330) between the plurality of subscribed online stores to the temporary transactions creation 140 service for payment in person of online purchases. With the purchasing decision made, the user proceeds to checkout, the store site.

The user fills in his details to delivery of products or services to the desired address. The online store presents to the user several payment options among which is temporary

145 transactions creation service for payment in person of online purchases that is the present invention. The user chooses as payment this payment option (120) and the temporary transactions creation service window appears.

The store requests to temporary transactions creation service for payment in person of 150 online purchases, creating a new temporary transaction. (130)

The temporary transactions creation service system , which is a different system from the sale system from the online store receives the request from the store and immediately begins the process of creating a new temporary transaction. The user (101 ) is sent to the 155 temporary transactions creation service page.

The service system asks the users if they already have a registered user profile in the temporary transactions creation service (150) If they don't have, the system will send the user a digital interface to enter their data for creating a service registered user profile. 160 (155) for this step The Temporary Transaction Creation Service System will request to the users an email, or other digital communication media with which to confirm their request.

In this step if the user is a registered user of the service (150), just sign in with his or her password and proceed to authorize the creation of a temporary transaction for online

165 desired purchase. Otherwise the service system asks the user to create a new profile

registered user.

The Temporary Transactions Creation Service processor (305) creates a temporary transaction that has a unique identification code, which will be identified in the following 170 steps (160), which is stored in the Temporary Transactions Creation Service database

(165). A new transaction is created is valid for limited lifespan.

A digital confirmation message of a new temporary transaction will be sent for service to one or more of the following: e mail, smart phone app, or other means of digital

175 communication that have been provided by the registered user, as the have registered in your profile registered user. (171 )

Having created the temporary transaction, The Temporary Transactions Creation Service server sends a message (171 ) to the user (101 ) by mail to his mail or other digital media

180 provided by the registered user, with the transaction information, which includes but is not limited to: name of the online store, customer name, unique identification code of the transaction, amount of the purchase, date of issue and expiry of the transaction and the lifespan of the transaction and the time still available. The customer can print the message or only display the screen of the smart phone to the bank teller or commercial institution

185 responsible for collecting payments from temporary transactions. Or provide to the teller the unique identification code of the transaction.

To this information will access the Payment Collection Center server (304) to confirm the data and to receive payment for online purchase at a later step.

190

The Temporary Transactions Creation Service server sends a message to the online store to keep the products of the temporary transaction in standby during the term of the temporary transaction. Sends to the (172) store a digital message indicating the creation of a new temporary transaction that may include: registered user information, unique

195 identification code of the transaction, amount, name of the customer or user, to keep this information temporarily and ensures the inventory needed to send this product when payment is received.

This transaction has a fixed term given period of days. After this period and if no payment 200 is made, the transaction is void without any surcharge. If the user wishes to purchase the goods or services after this period, you must re-enter the online store and select again the same items to create a new transaction with a new unique identification code. The Temporary Transactions Creation Service for Payment in Person of Online Purchases 205 server puts at the Payment Collection Centers System disposal the temporary transaction information (173) so they can receive payments from users when they pay. The Payment Collection Center System from the Payment Collection Center is a different From

Temporary Transactions Creation Service System, and are physically or digitally coupled to each other.

210

The Temporary Transactions Creation Service server will send digital messages

periodically (174), as electronic reminders (340) during the lifespan of the temporary transaction if still have not received the payment at Payment Collection Center, informing 215 the registered user a payment pending of a Temporary Transaction of an Online Purchase.

The Payment Collection Center is responsible for collecting all payments from temporary transactions, receiving the user full payment for a transaction either in cash or other 220 payment methods and the customer will receive in return a physical or digital receipt that will serve him payment proof and should only expect to receive the desired goods or services at the direction that the buyer has provided.

(FIG. 1 B) The users (101 ) go to the Payment Collection Center (210), which could be 225 bank, financial institution or any other commercial establishment depending on which

companies are interested, and make their payment only providing the teller the transaction unique identification code and proceed to pay with their preferred payment method.

In order to receive the payment in person from the online purchase temporary transaction, 230 Payment Collection Center should check on their payment collection system that is

physically or digitally coupled with Temporary Transaction Creation Service System, if the transaction is valid and if the user data presented are correct and if it is within the term of the transaction.

235 If the transaction is valid and the information correct Payment Collection Center shall

receive the payment of the temporary transaction from the registered user. (230) The Payment Collection Center will store all payments received from the users from the temporary transaction creation service in its database (235) and will send a digital 240 notification to the temporary transaction creation service server that they have received payment. (240)

After received payment within the period of validity of the temporary transaction, Payment Collection Center automatically sends a digital message (240) the Temporary Transaction 245 Creation Service server 305 characterizing the payment received by the registered user.

Upon payment, the user receives a digital message from Temporary Transaction Creation Service server informing that his or her payment was received (244) and the products or services will be sent soon to the address desired by the user. (243) This message is sent 250 to the registered user chosen communication media or to registered user input device of their choice. (301 ) This message is the proof of payment of the user.

The Temporary Transaction Creation Service server (305) sends a digital message to the Online Store Sale System server (241 ) characterizing the received payment by the user, 255 so the online store ship the product or service to the user (243) .

The Online Store Sale System server sends the online purchase invoice (242) to the user.

After the payment of the order is received, the Online Store Sale System involved in the 260 Temporary Transaction will proceed to send the goods or services to the address provided by the user (243).

The Payment Collection Center will send the funds to the online store according to established protocol in temporary transactions creation service for payment in person of 265 online purchases (245).

If payment is not made within the Temporary Transaction stipulated lifespan, Temporary Transactions Creation Service proceed to remove the temporary transaction and a digital messages indicating that the transaction is no longer valid will be sent, to the payment 270 Collection Center, to the User and to the Online Store. After this period the transaction is disabled without penalty if no payment is received.

If the user wants to purchase after the transaction overcame need to redo the process, and re-enter the online store, choose products again, and choose the temporary

275 transactions creation service for payment in person of online purchases. (225)

The present invention will provide profits to the payment collection centers and the company or companies that will manage the temporary transaction creation services for payment in person of online purchases.

280

The temporary transactions creation service for payment in person of online purchases can earn charging a commission to the online store. Similar to the fees paid to issuers of credit cards or could also charge a commission to the buyers at the time of their transaction charge.

285

The businesses responsible for the payment collection or function as payment collection center may be, including but not limited to banks, financial institutions, trading companies or even the same online stores that may be interested in providing this service and earn from commissions generated by the volume transactions.

290

The payment collection centers will generate their profits in the following ways that include but are not limited to: commissions either to online store, the temporary transaction service users, or a combination, also can receive advertising revenue from third parties or other forms of income related to the service.

295

This invention gives the opportunity to profit either to banks, financial institutions and commercial companies interested in providing this service, and gain from equivalent to a percentage of the amount of transactions or advertising revenue charged to third commissions.

300

This method of electronic purchase with payment in person has advantages over the existing solutions in the market and covers user needs that are not met, as is the need to buy online and pay in person online purchases. In addition expands the market potential for companies that sell products or services online, especially in developing markets, emerging sectors and even in developed countries. The online stores and e-commerce will have access to a new customer base.

Claims

1 A computer implemented method for creating a temporary purchase transaction to allow registered users of the system pay in person online purchases at a payment collection center, using the service processor including a computer program comprising computer programming code, the method comprising:

Receiving, at the Temporary Transactions Creation Service Service server, a request to create a temporary transaction.

Receiving, in association with the request, data associated with the online purchase desired by the user among the plurality of online stores registered on the Temporary Transactions Creation Service.

Determine whether the user is a registered user of the service or not, and send a request to him or her to create a registered user profile if he or she does not already own, in the Temporary Transactions Creation Service.

Create in the Temporary Transactions Creation Service for Payment in Person of Online Purchases, a temporary transaction with a unique code that identifies the purchase and which the buyer may pay in person at (the) Payment Collection Centers later. The creation of the temporary transaction is performed by the system processor according to computer programming code.

Store on the database of the Temporary Transactions Creation Service, the information of all temporary purchase transactions created.

Send to the Payment Collection Centers servers, data from the temporary purchase transaction online so they can receive payment in person from temporary transaction when users pay.

Check the data from the online purchase temporary transaction on the Payment Collection Center system linked to the temporary transaction service system before receiving payment of the purchase.

2 The method of claim 1 wherein the data provided are processed by the processor, from the Temporary Transactions Creation Service system according to computer programming code. 3 The method of claim 1 wherein the user purchase data are provided to the online store sales system from a registered user input device.

4 The method of claim 1 wherein the user purchase data is provided to the Temporary Transactions Creation Service system by the online store sales system servers.

5 The method of claim 1 wherein the Temporary Transactions Creation Service system server receives the request for the creation of a new temporary transaction for in person payment of online purchases, is received through a network. Which is coupled to the processor and the service system processor receives the request through the temporary transactions service system server.

6 The method of claim 1 wherein the creation of the temporary transaction is performed by a Temporary Transactions Creation Service system processor in which the processor is coupled to the payment center system.

7 The method of claim 6 further including receiving from a network, the data associated with the online purchase.

8 The method of claim 1 further comprising recording in the database from the Temporary Transactions Creation Service, which include but are not limited to: the amount of the purchase, store name, the unique identification code of the temporary transaction, the user and the date of creation of the temporary transaction.

9 The method of claim 1 wherein the temporary transaction is verified at the payment center when the user wishes to pay.

10 The method of claim 9 wherein the transaction verification includes entering in the payment collection system at the Payment Collection Center coupled to the Temporary Transaction Creation Service the unique identification code from the temporary purchase transaction.

11 The method of claim 1 wherein the temporary purchase transaction is created through a network, comprising but not limited to the Internet, where the temporary transactions creation service system interacts with the personal computer user and the online store sale system to carry out the creation of temporary purchase transaction.

12 The method of claim 1 wherein the online store sale systems are different than the

Temporary Transactions Creation Service system but are physically or digitally coupled to interact.

13 the method of claim 1 in which the selection of preferred contact method is selected by the user when creating a registered user profile from the Temporary Transactions Creation Service. 14 The method of claim 13 wherein the communication method is chosen from a list of options that include but are not limited to: email, text messages, through communication applications, etc.

15 The method of claim 1 wherein electronic messages are sent by the Temporary Transactions Creation Service to preferred contact method choice by the registered user. These messages include data on the temporary transaction and reminders of pending temporary transaction during the term of the transaction.

16 In a system that includes a Temporary Transactions Creation Service server coupled with the registered online store sale system and the Payment Collection System at the payment center, as well as the Temporary Transactions Creation Service system processor. A method of temporary transactions creation for payment in person of online purchases, the method comprising: 17 The method of claim 16 wherein creating a temporary transaction occurs through a network, comprising but not limited to the Internet, where the Temporary Transaction

Creation Service processor interacts with the sale system server from the online stores and the payment collection system at the Payment Collection Centers and the registered user input device to create a temporary transaction. 18 The method of claim 16 wherein the temporary transaction service processor is coupled to the Temporary Transaction Creation Service server that allows this interaction, with the registered user, Payment Collection Center system from the payment centers and the sale systems from online stores.

19 A computer implemented method of a Temporary Transaction Creation Service for Payment in Person of Online Purchases using a processor that includes a computer program comprising computer program code, the method comprising:

Receive at the Temporary Transaction Creation Service for Payment in Person of Online Purchases, a request for creating an electronic temporary transaction for online shopping; with the selected purchase data by the registered user at registered shops.

Determine if the user is a registered user of the Temporary Transaction Creation Service system.

Create the temporary electronic purchase transaction so that the user can make the payment in person at a Payment Collection Center.

20 The method of claim 19 wherein the received request for creating a temporary purchase transaction and related data are processed by the Temporary Transactions Service processor according to computer programming code.

21 The method of claim 19 wherein the request and the data provided for the creation of a temporary transaction are sent from the online store sale system to the temporary transaction service system server.

22 The method of claim 19 wherein the request for the creation of a temporary transaction and purchase data are received on the Temporary Transaction Creation Service Server.

23 The method of claim 19 wherein the temporary purchase transaction for payment in person occurs via a network which includes but is not limited to the Internet, where the

Temporary Transaction Creation Service processor interacts with the online store sale system, payment collection system from the payment centers and the registered user input device for the creation of the temporary transaction for payment in person of online purchases. 135

24. The method of claim 19 wherein the temporary transaction for payment in person is created by the service system processor and sent by the service system server to payment collection system from the Payment Collection Centers. This transaction includes a unique code that identifies the plurality of temporary purchase transactions.

140

25 The method of claim 19 wherein data from the created temporary purchase transaction for payment in person is sent to the online store sale system, payment collection system from the Payment Collection Centers and to the registered user input device.

145 26 The method of claim 19 wherein payment reminders with temporal transaction

information are sent to the registered user input device periodically over the lifespan of the transaction temporary.

27 The method of claim 19 wherein information from annulment of the temporary

150 transaction is sent to the store sale system, payment collection system from the Payment Collection Centers and the registered user input device, if not be received payment in agreed time.

28 The method of claim 27 wherein the messages are created by the processor and the 155 computer programming code in conjunction with the Temporary Transactions Creation

Service server.

29 The method of claim 19 further comprising receiving in the payment collection system from the Payment Collection Centers from a network, the information from all temporary

160 transactions for payment in person.

30 The method of claim 29 wherein the payment collection system from the Payment Collection Centers is different from Temporary Transactions Creation Service system but is physically or digitally coupled via a network to the Temporary Transactions Creation

165 Service System for Payment in Person of Online Purchases.

31 The method of claim 29 wherein the validation of the temporary transaction is to check at the Payment Collection Center, data associated with by the user selected purchase inputting into the system the temporary transaction unique identification code when the registered user arrives to make the payment.

32 The method of claim 29 wherein the validation includes checking the lifespan of the temporary transaction, the information provided by the sale system from the online store registered to the temporary transactions service and the exact amount of the transaction. 33. The method of claim 29 wherein the information from the Temporary Transactions Creation Service for payment in person are received at the payment collection system of the Payment Collection Centers of the Temporary Transactions Creation Service for Payment in Person of Online Purchases. 34 The method of claim 29 wherein the Temporary Transactions Creation Service for Payment in Person occurs through the Internet or similar network where the Temporary Transactions Creation Service processor interacts with the payment centers server for carrying out the collection of the payments from the Temporary Transactions Creation Service for Payment in Person.

35 The method of claim 29 wherein information from received payment at Payment Collection Centers is sent to the Temporary Transactions Creation Service server as well as the sale system of the online store and to the registered user input device at the time of payment reception.

36 The method of claim 29 wherein the funds received from Temporary Transactions payments at Payment Collection Centers are sent to the online store company after payment reception from user.