ATE185208T1 - Verfahren und apparat zum verfügungsstellen eines vorausbezahlten kundenkontos mit fernzugang - Google Patents

Verfahren und apparat zum verfügungsstellen eines vorausbezahlten kundenkontos mit fernzugang

Info

Publication number
ATE185208T1
ATE185208T1 AT96919084T AT96919084T ATE185208T1 AT E185208 T1 ATE185208 T1 AT E185208T1 AT 96919084 T AT96919084 T AT 96919084T AT 96919084 T AT96919084 T AT 96919084T AT E185208 T1 ATE185208 T1 AT E185208T1
Authority
AT
Austria
Prior art keywords
providing
account
remote access
customer account
prepaid customer
Prior art date
Application number
AT96919084T
Other languages
English (en)
Inventor
John M Taskett
Original Assignee
American Express Trs
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 American Express Trs filed Critical American Express Trs
Application granted granted Critical
Publication of ATE185208T1 publication Critical patent/ATE185208T1/de

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M15/00—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP
    • H04M15/51—Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP for resellers, retailers or service providers
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q20/343—Cards including a counter
    • G06Q20/3437—Cards including a counter the counter having non-monetary units, e.g. trips
    • 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
    • G07F19/20—Automatic teller machines [ATMs]
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • 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
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M17/20—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment
    • H04M17/204—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless
    • H04M17/205—Prepayment of wireline communication systems, wireless communication systems or telephone systems with provision for recharging the prepaid account or card, or for credit establishment on-line recharging, e.g. cashless by calling a service number, e.g. interactive voice response [IVR] or menu
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M17/00—Prepayment of wireline communication systems, wireless communication systems or telephone systems
    • H04M2017/24—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless
    • H04M2017/241—Prepayment of wireline communication systems, wireless communication systems or telephone systems with on-line recharging of an account or card, e.g. cashless by calling a service number IVR, menu
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/54—Resellers-retail or service providers billing, e.g. agreements with telephone service operator, activation, charging/recharging of accounts

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Signal Processing (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Collating Specific Patterns (AREA)
  • Meter Arrangements (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Beverage Vending Machines With Cups, And Gas Or Electricity Vending Machines (AREA)
AT96919084T 1995-06-01 1996-06-03 Verfahren und apparat zum verfügungsstellen eines vorausbezahlten kundenkontos mit fernzugang ATE185208T1 (de)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US45652595A 1995-06-01 1995-06-01

Publications (1)

Publication Number Publication Date
ATE185208T1 true ATE185208T1 (de) 1999-10-15

Family

ID=23813104

Family Applications (1)

Application Number Title Priority Date Filing Date
AT96919084T ATE185208T1 (de) 1995-06-01 1996-06-03 Verfahren und apparat zum verfügungsstellen eines vorausbezahlten kundenkontos mit fernzugang

Country Status (10)

Country Link
EP (1) EP0836727B1 (de)
JP (2) JPH11506558A (de)
AT (1) ATE185208T1 (de)
AU (1) AU695518B2 (de)
CA (1) CA2222749C (de)
DE (1) DE69604495T2 (de)
DK (1) DK0836727T3 (de)
ES (1) ES2139359T3 (de)
GR (1) GR3032178T3 (de)
WO (1) WO1996038801A1 (de)

Families Citing this family (52)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7156300B1 (en) 1995-06-07 2007-01-02 Electronic Data Systems Corporation System and method for dispensing of a receipt reflecting prepaid phone services
US6000608A (en) * 1997-07-10 1999-12-14 Dorf; Robert E. Multifunction card system
US6119931A (en) * 1997-10-02 2000-09-19 Novogrod; John C. System and method for requesting and dispensing negotiable instruments
AU9573298A (en) * 1997-10-02 1999-04-27 John C. Novogrod Negotiable instrument requesting and dispensing system and method
US5993047A (en) * 1997-10-02 1999-11-30 John C. Novogrod Apparatus and method for requesting and dispensing negotiable instruments
JP3330139B2 (ja) 1998-03-09 2002-09-30 靖夫 村松 電話料金管理システム
AU3991399A (en) * 1998-05-27 1999-12-13 Autocard Systems, Inc. Pre-paid telephone calling card vending machine
FR2779381A1 (fr) * 1998-06-09 1999-12-10 Jean Pierre Brissaud Carte telephonique a code rapporte
US6263060B1 (en) * 1998-08-18 2001-07-17 Priority Call Management, Inc. Transportable logic to facilitate a large calling card transaction network supporting dynamic changes
US9098958B2 (en) 1998-09-15 2015-08-04 U-Paid Systems, Ltd. Convergent communications platform and method for mobile and electronic commerce in a heterogeneous network environment
CA2354058C (en) * 1998-09-15 2016-06-28 In Touch Technologies Limited Enhanced communication platform and related communication method using the platform
US7010512B1 (en) 1998-11-09 2006-03-07 C/Base, Inc. Transfer instrument
US6185545B1 (en) * 1998-11-17 2001-02-06 Prenet Corporation Electronic payment system utilizing intermediary account
AU3504800A (en) * 1999-02-25 2000-09-14 Cybersource Corporation Stored value electronic certificate processing
CN100444206C (zh) * 1999-05-03 2008-12-17 瑞士电信流动电话公司 分发有价码的方法
AU3593000A (en) * 1999-06-17 2001-01-09 Dean S. Keil System and method for acquiring pre-paid products and services
WO2001009793A1 (en) * 1999-07-29 2001-02-08 Privacash.Com, Inc. Method and system for transacting an anoymous purchase over the internet
AUPQ250699A0 (en) * 1999-08-27 1999-09-23 E Com Industries E commerce system
JP3782617B2 (ja) 1999-09-02 2006-06-07 グレートインフォメーション株式会社 有価暗号情報発行システム及び通話料決済システム
AU5074701A (en) 1999-10-18 2001-06-25 Douglas E. Blasiman A method and system for transacting a purchase using a credit card from the seller
ITMI992363A1 (it) * 1999-11-11 2001-05-11 Roberto Colli Procedimento di transazione di pagamento in rete mediante carta prepagata e relativa carta
AU4711801A (en) * 1999-12-06 2001-06-18 Rolfe M. Philip Method of masking the identity of a purchaser during a credit transaction
GB9929983D0 (en) * 1999-12-17 2000-02-09 Hitbits Co Uk Limited On-line purchasing system
AU2001232230A1 (en) * 2000-02-08 2001-08-20 Tokyo Mechatronics Co., Limited Prepaid card settlement system and method on internet and apparatus and method for using them
DE10008132A1 (de) * 2000-02-22 2001-09-06 Brodos Ag Verfahren zur Aufladung eines Prepaid-Kundenkontos und Vorrichtung zur Durchführung des Verfahrens
WO2001063569A1 (de) * 2000-02-22 2001-08-30 Brodos Ag Verfahren zum aufladen eines kundenkontos für telekommunikationsdienste und entsprechendes aufladesystem
GB2359652A (en) * 2000-02-24 2001-08-29 Menachem Mendel Sudak Electronic payment system
CA2303041A1 (en) 2000-03-29 2001-09-29 1398888 Ontario Inc. Method of providing a quantity of telephone time from an atm
EP1275088B1 (de) * 2000-04-03 2007-10-03 Swisscom Mobile AG Verfahren und system zum auf- oder nachladen von in mobilfunkgeräten eingeführten chipkarten mit einem geldbetragswert
GB2361571A (en) * 2000-04-17 2001-10-24 Aspect Internet Holdings Ltd Payment method
CA2406838A1 (en) * 2000-04-20 2001-11-01 Innovative Payment Systems, Llc Method and system for ubiquitous enablement of electronic currency
DE10020900A1 (de) * 2000-04-28 2002-04-04 Cardmaxx De Ag Verfahren und Vorrichtung zur elektronischen Distribution von virtuellen Mobilfunk-Prepaid-Karten
DE10021673A1 (de) * 2000-05-05 2001-11-15 Berthold Binder Verfahren und Vorrichtung zur Abwicklung von vorausbezahlbaren geschäftlichen Transaktionen oder Dienstleistungen
US6651885B1 (en) * 2000-06-08 2003-11-25 Luis A. Arias Multi-function transaction processing system
US7546947B1 (en) 2000-06-08 2009-06-16 Arias Luis A Multi-function transaction processing system
US7181416B2 (en) 2000-06-08 2007-02-20 Blackstone Corporation Multi-function transaction processing system
DE10136080A1 (de) * 2000-11-21 2002-06-06 Wolfgang Zint Verfahren zum Durchführen einer bargeldlosen Finanztransaktion
PL366417A1 (en) * 2001-01-15 2005-01-24 Evs Gmbh System for vending prepaid products
JP2002324200A (ja) * 2001-02-20 2002-11-08 Sony Computer Entertainment Inc 電子決済システム，端末装置の情報処理プログラムを記憶させた記憶媒体，管理装置の情報処理プログラムを記憶させた記憶媒体，端末装置の情報処理プログラム，管理装置の情報処理プログラム、及び電子決済方法
US7775426B2 (en) 2001-04-23 2010-08-17 Paul David K Method and system for facilitating electronic funds transactions
US7104443B1 (en) 2001-04-23 2006-09-12 Debitman Card, Inc. Method and system for facilitating electronic funds transactions
GB2381928A (en) * 2001-11-05 2003-05-14 Domain Direct Ltd Payment apparatus for crediting an account
US6950506B2 (en) 2001-11-08 2005-09-27 Bellsouth Intellectual Property Corporation Method and system for paying prepaid communications credit
US6961412B2 (en) 2001-11-08 2005-11-01 Bellsouth Intellectual Property Corporation Method and system for prepaid communications credit
JP2003162755A (ja) * 2001-11-27 2003-06-06 Great Information Kk プリペイドカード情報発行システム、通話料決済システム、通信料決済システム、及び代金決済システム
IES20040045A2 (en) 2004-01-23 2004-08-11 January Patents Ltd Electronic point of sale apparatus for mobile telephone credit purchase
JP4639804B2 (ja) * 2004-03-25 2011-02-23 セイコーエプソン株式会社 Ｐｏｓシステム、印刷装置、及びデータ中継処理方法
DE102004046596A1 (de) * 2004-09-25 2006-04-13 Wincor Nixdorf International Gmbh Verfahren zum Ausdrucken von Formulardrucken an SB-Geräten
US8014505B2 (en) 2005-09-02 2011-09-06 Locus Telecommunications, Inc. Point-of-sale electronic PIN distribution system
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5025139A (en) * 1987-12-08 1991-06-18 Halliburton Jr W Ken Redeemable coupon disbursement control and reporting system
DE3926770A1 (de) * 1989-08-12 1991-02-14 Basf Ag (1,2,4)triazolo(1,5-a)pyridine
JPH04209085A (ja) * 1990-01-24 1992-07-30 Tokyo Koka Cola Botoringu Kk 取引精算方法
JPH03226896A (ja) * 1990-02-01 1991-10-07 Omron Corp プリペイド販売機
US5243174A (en) * 1991-03-05 1993-09-07 The Gift Certificate Center, Inc. Method and apparatus for generating gift certificates
US5440108A (en) * 1991-10-11 1995-08-08 Verifone, Inc. System and method for dispensing and revalung cash cards
JPH05182068A (ja) * 1991-12-26 1993-07-23 Nec Off Syst Ltd プリペードカード発券機
US5442567A (en) * 1993-04-30 1995-08-15 Small; Maynard E. Apparatus and method for electronically dispensing personalized greeting cards and gifts
US5477038A (en) * 1993-10-25 1995-12-19 Visa International Method and apparatus for distributing currency
US5577109A (en) * 1994-06-06 1996-11-19 Call Processing, Inc. Pre-paid card system and method

Also Published As

Publication number Publication date
WO1996038801A1 (en) 1996-12-05
JPH11506558A (ja) 1999-06-08
EP0836727B1 (de) 1999-09-29
CA2222749C (en) 2003-08-19
DK0836727T3 (da) 1999-12-27
JP2002189961A (ja) 2002-07-05
AU695518B2 (en) 1998-08-13
AU6151896A (en) 1996-12-18
DE69604495D1 (de) 1999-11-04
DE69604495T2 (de) 2000-05-04
MX9709401A (es) 1998-07-31
GR3032178T3 (en) 2000-04-27
ES2139359T3 (es) 2000-02-01
EP0836727A1 (de) 1998-04-22
EP0836727A4 (de) 1998-05-13
HK1010256A1 (en) 1999-06-17
CA2222749A1 (en) 1996-12-05

Similar Documents

Publication Publication Date Title
ATE185208T1 (de) Verfahren und apparat zum verfügungsstellen eines vorausbezahlten kundenkontos mit fernzugang
DE69728178D1 (de) Vorrichtung und verfahren zur fernen datenrückgewinnung
EP0612040A3 (de) Verfahren und Vorrichtung zur Kreditkartenechtheitsprüfung.
ATE48327T1 (de) Verfahren und vorrichtung um dem inhaber eines tragbaren objektes, insbesondere einer karte, mit dieser karte den zugriff zu einer dienstleistung von wenigstens einer berechtigenden stelle zu ermoeglichen.
GB2308474B (en) A Communications system and interactive computerized methods and apparatus for conducting an incentive awards program
WO1999021094A3 (en) Reconfigurable secure hardware apparatus and method of operation
DE69525706D1 (de) Vorrichtung und Verfahren zum Generieren des Zielsprachcodes durch Verwendung eines objektorientierten Codegenerators
SE8008649L (sv) Sett och apparat for kodning av kort
DE69634397D1 (de) Verfahren zum Erzeugen von Wertmarken in einem offenen Zählsystem
EP0690395A3 (de) Verfahren und Gerät zur Erzeugung von Übereinstimmung-Prüfdatenfolgen
SE8100588L (sv) Sett och apparat for att styra en skyddad transaktion
DK1105861T3 (da) Apparat og fremgangsmåde til automatisk pengeløs betaling af vederlag for anbringelsen af et reklamemedium på et køretøj; reklamemedium
GB2301472A (en) Method and apparatus for identifying metallic tokens and coins
DE69200015D1 (de) Verfahren und vorrichtung zum regeln und diagnostizieren eines kraftstoffversorgungssystems.
ATE144871T1 (de) Verfahren zum verarbeiten von im voraus bezahlten telefonanrufen
EP0653897A3 (de) Verfahren und Gerät zur Erzeugung von Raumklangeffekten.
ATE224570T1 (de) Vorrichtung und verfahren zum empfangen und akzeptieren von wertmarken
DE69021108D1 (de) Verfahren zum Anordnen von Bauelementen auf Trägern sowie Vorrichtung zum Durchführen des Verfahrens.
EP0645442A3 (en) A method of fuel gasification and an apparatus for performing such a method.
ES2003804A6 (es) Metodo para impedir el acceso no autorizado a una informacion introducida en un aparato
DE69311693D1 (de) Apparat für eine im impulsbetrieb elektrische-speisequelle
DE69405221D1 (de) Vorrichtung und verfahren zum behandeln eines abfallpapierstoffbreis
ES8801742A1 (es) Dispositivo portatil para establecer atestados de vehiculos en aparcamiento irregular.
WO1998012864A3 (en) Picture information converting method and apparatus
GB2345171B (en) A communications system and interactive computerized methods and apparatus for conducting an incentive awards program

Legal Events

Date Code Title Description
UEP Publication of translation of european patent specification
EEFA Change of the company name
REN Ceased due to non-payment of the annual fee