ES2156857T3 - Sistema de procesamiento transaccional. - Google Patents

Sistema de procesamiento transaccional.

Info

Publication number
ES2156857T3
ES2156857T3 ES91919863T ES91919863T ES2156857T3 ES 2156857 T3 ES2156857 T3 ES 2156857T3 ES 91919863 T ES91919863 T ES 91919863T ES 91919863 T ES91919863 T ES 91919863T ES 2156857 T3 ES2156857 T3 ES 2156857T3
Authority
ES
Spain
Prior art keywords
account information
payment
authorization
payment processor
vendor
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Lifetime
Application number
ES91919863T
Other languages
English (en)
Inventor
Thomas A Bush
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=24366264&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=ES2156857(T3) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Application filed by Individual filed Critical Individual
Application granted granted Critical
Publication of ES2156857T3 publication Critical patent/ES2156857T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/08—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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • G06Q20/4037—Remote solvency checks
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Managing shopping lists, e.g. compiling or processing purchase lists
    • G06Q30/0637—Managing shopping lists, e.g. compiling or processing purchase lists requiring approval before final submission, e.g. parental approval
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0641—Electronic shopping [e-shopping] utilising user interfaces specially adapted for shopping
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0042—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for hiring of objects
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Two-Way Televisions, Distribution Of Moving Picture Or The Like (AREA)
  • Structure Of Belt Conveyors (AREA)
  • Threshing Machine Elements (AREA)
  • Control Of Velocity Or Acceleration (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Vehicle Step Arrangements And Article Storage (AREA)

Abstract

SE UTILIZA UN SISTEMA DE PROCESAMIENTO DE TRANSACCION JUNTO CON UNA FUENTE DE TRANSMISION (10). EL SISTEMA PERMITE LA AUTORIZACION DE LOS PAGOS EN TIEMPO REAL PARA LA PLURALIDAD DE PRODUCTOS Y SERVICIOS DISPONIBLES POR LA FUENTE DE TRANSMISION (10). UN MENU DE VIDEO (12) SE ENVIA A UN RECEPTOR (26) REPRESENTANDO UNA LISTA DE PRODUCTOS Y SERVICIOS DISPONIBLES. EL RECEPTOR CONTIENE UNA TARJETA LECTORA DE CREDITO O DEBITO (72) Y TRANSMITE LA INFORMACION DE LA CUENTA FINANCIERA, ASI COMO TAMBIEN LA SELECCION DEL MENU (12) POR VIA DE UN MODEM A UN PROCESADOR DE PAGO (30). EL PROCESO DE PAGO (30) VERIFICA LA SELECCION DEL PROGRAMA Y LA INFORMACION DE LA CUENTA Y TRANSMITE UNA SEÑAL DE AUTORIZACION AL VENDEDOR O ENTIDAD QUE PRESTA EL SERVICIO (60). EL PROCESADOR DE PAGO (30) VERIFICARA LA INFORMACION FINANCIERA DE LA CUENTA Y ENVIARA UNA AUTORIZACION DE PAGO A LA INSTITUCION FINANCIERA (40). EL VENDEDOR (60) A SU VEZ ENVIA EL PRODUCTO SELECCIONADO AL CONSUMIDOR DEL CUAL PROCEDE EL PAGO A LA INSTITUCION FINANCIERA.
ES91919863T 1990-10-01 1991-10-01 Sistema de procesamiento transaccional. Expired - Lifetime ES2156857T3 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US59138090A 1990-10-01 1990-10-01

Publications (1)

Publication Number Publication Date
ES2156857T3 true ES2156857T3 (es) 2001-08-01

Family

ID=24366264

Family Applications (1)

Application Number Title Priority Date Filing Date
ES91919863T Expired - Lifetime ES2156857T3 (es) 1990-10-01 1991-10-01 Sistema de procesamiento transaccional.

Country Status (11)

Country Link
US (1) US5475585A (es)
EP (1) EP0551433B1 (es)
JP (1) JPH06501802A (es)
AT (1) ATE201106T1 (es)
AU (1) AU656542B2 (es)
CA (1) CA2092989C (es)
DE (1) DE69132600T2 (es)
DK (1) DK0551433T3 (es)
ES (1) ES2156857T3 (es)
GR (1) GR3036265T3 (es)
WO (1) WO1992006438A1 (es)

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JPH06501802A (ja) 1994-02-24
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EP0551433A1 (en) 1993-07-21
EP0551433A4 (en) 1993-10-20
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CA2092989C (en) 2000-02-08
US5475585A (en) 1995-12-12
GR3036265T3 (en) 2001-10-31
DK0551433T3 (da) 2001-07-30
AU656542B2 (en) 1995-02-09
AU8859391A (en) 1992-04-28
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CA2092989A1 (en) 1992-04-02
DE69132600D1 (de) 2001-06-13

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