BRPI0409120A - métodos para aumentar crédito em uma conta, para processar transações e para facilitar transações de crédito, sistema para facilitar transações de crédito, método para transferir crédito entre múltiplas contas, dispositivo móvel, sistema para facilitar transações sem fios, e, método para facilitar transações sem fios para uma conta de loteria - Google Patents

métodos para aumentar crédito em uma conta, para processar transações e para facilitar transações de crédito, sistema para facilitar transações de crédito, método para transferir crédito entre múltiplas contas, dispositivo móvel, sistema para facilitar transações sem fios, e, método para facilitar transações sem fios para uma conta de loteria

Info

Publication number
BRPI0409120A
BRPI0409120A BRPI0409120-5A BRPI0409120A BRPI0409120A BR PI0409120 A BRPI0409120 A BR PI0409120A BR PI0409120 A BRPI0409120 A BR PI0409120A BR PI0409120 A BRPI0409120 A BR PI0409120A
Authority
BR
Brazil
Prior art keywords
transactions
credit
facilitating
account
lottery
Prior art date
Application number
BRPI0409120-5A
Other languages
English (en)
Inventor
Michael Karns
Nigel Beaney
John M Mathieu
Miroslaw Kula
Original Assignee
Gtech Corp
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 Gtech Corp filed Critical Gtech Corp
Publication of BRPI0409120A publication Critical patent/BRPI0409120A/pt

Links

Classifications

    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G06Q20/3276—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being read by the M-device
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Chemical And Physical Treatments For Wood And The Like (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

"MéTODOS PARA AUMENTAR CRéDITO EM UMA CONTA, PARA PROCESSAR TRANSAçõES E PARA FACILITAR TRANSAçõES DE CRéDITO, SISTEMA PARA FACILITAR TRANSAçõES DE CRéDITO, MéTODO PARA TRANSFERIR CRéDITO ENTRE MúLTIPLAS CONTAS, DISPOSITIVO MóVEL, SISTEMA PARA FACILITAR TRANSAçõES SEM FIOS, E, MéTODO PARA FACILITAR TRANSAçõES SEM FIOS PARA UMA CONTA DE LOTERIA". Um sistema e método de pagamento eletrónico facilitam comércio eletrónico por transferência controlada de identificação e representações de valor para dispositivos sem fios. O sistema (10) inclui um aparelho de coleta de pagamento (20) e um aparelho de transação (50), e provê representação de informação de usuário e transação por marcas indicadoras legíveis por máquina. Em uma concretização, a marca indicadora legível por máquina é um código de barras. A presente invenção é útil em tais aplicações de exemplo como transações de crédito, operações de sistema de loteria, e aplicações de fornecimento complementar móvel.
BRPI0409120-5A 2003-04-09 2004-04-07 métodos para aumentar crédito em uma conta, para processar transações e para facilitar transações de crédito, sistema para facilitar transações de crédito, método para transferir crédito entre múltiplas contas, dispositivo móvel, sistema para facilitar transações sem fios, e, método para facilitar transações sem fios para uma conta de loteria BRPI0409120A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US46145703P 2003-04-09 2003-04-09
PCT/US2004/010682 WO2004092993A1 (en) 2003-04-09 2004-04-07 Electronic payment system

Publications (1)

Publication Number Publication Date
BRPI0409120A true BRPI0409120A (pt) 2006-03-28

Family

ID=33299813

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0409120-5A BRPI0409120A (pt) 2003-04-09 2004-04-07 métodos para aumentar crédito em uma conta, para processar transações e para facilitar transações de crédito, sistema para facilitar transações de crédito, método para transferir crédito entre múltiplas contas, dispositivo móvel, sistema para facilitar transações sem fios, e, método para facilitar transações sem fios para uma conta de loteria

Country Status (5)

Country Link
US (2) US7370012B2 (pt)
EP (1) EP1616248A4 (pt)
BR (1) BRPI0409120A (pt)
WO (1) WO2004092993A1 (pt)
ZA (1) ZA200508085B (pt)

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US7370012B2 (en) 2008-05-06
US20040267663A1 (en) 2004-12-30
US20080195536A1 (en) 2008-08-14
EP1616248A1 (en) 2006-01-18

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