CN101595491A - 移动自动售货机购买 - Google Patents

移动自动售货机购买 Download PDF

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CN101595491A
CN101595491A CNA2007800507071A CN200780050707A CN101595491A CN 101595491 A CN101595491 A CN 101595491A CN A2007800507071 A CNA2007800507071 A CN A2007800507071A CN 200780050707 A CN200780050707 A CN 200780050707A CN 101595491 A CN101595491 A CN 101595491A
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vending machine
automatic vending
consumer
request message
payment request
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M·卡尔森
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Visa USA Inc
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Visa USA Inc
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    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/24—Accounting or billing
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
    • G06Q20/30—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]
    • G06Q20/3221—Access to banking information through M-devices
    • 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
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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
    • 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
    • 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
    • H04M15/68—Payment of value-added services
    • 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
    • H04M15/80—Rating or billing plans; Tariff determination aspects
    • H04M15/8033—Rating or billing plans; Tariff determination aspects location-dependent, e.g. business or home
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
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    • H04M—TELEPHONIC COMMUNICATION
    • H04M2215/00—Metering arrangements; Time controlling arrangements; Time indicating arrangements
    • H04M2215/01—Details of billing arrangements
    • H04M2215/0196—Payment of value-added services, mainly when their charges are added on the telephone bill, e.g. payment of non-telecom services, e-commerce, on-line banking
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    • H04—ELECTRIC COMMUNICATION TECHNIQUE
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    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
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    • H04M2215/81—Notifying aspects, e.g. notifications or displays to the user
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    • H04M—TELEPHONIC COMMUNICATION
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    • H04M2215/815—Notification when a specific condition, service or event is met
    • H04M2215/8166—Available credit

Abstract

公开了一种用于使用诸如移动电话等便携式消费设备来支付等的系统和方法。本发明的一个实施例涉及一种方法，包括：从由消费者操作的便携式消费设备接收支付请求消息，其中该支付请求消息包括为来自自动售货机的产品付费的请求；将授权响应消息发回到该自动售货机，该自动售货机随后在该授权响应消息指示该消费者被授权进行购买的情况下提示该消费者输入选择，以及从该自动售货机接收已购买该产品的确认消息。

Description

移动自动售货机购买
相关申请的交叉引用
本专利申请是2006年12月26日提交的美国临时专利申请No.60/871,898的非临时申请，并要求对该临时申请的优先权，该临时申请通过整体引用通用地结合于此。
背景
自动售货机当今在各种地方都是常见的并且可用于购买各种各样的产品。在典型的购买交易中，消费者走向自动售货机，将小额零钱或钞票插入机器，从该机器作出选择，并且然后该自动售货机自动将所选商品分发给该消费者。问题在于消费者可能手上没有硬币或者可能没有小额钞票或零钱来进行购买。此外，自动售货机正提供比传统上自动售货机中所仅提供的供销售的廉价小吃、饮料和报纸有更多不同种类的产品以供购买。例如，消费者可从自动售货机购买CD或DVD、预付电话卡或电子产品。因此，单单从自动售货机进行现金购买正变成较不切实际的选择。
为了解决该问题，已开发了多个解决方案。例如，许多自动售货机现在具有读卡器以使得消费者可经由信用卡或预付卡来进行购买。最近，某些解决方案已使得变为可经由移动电话来从自动售货机购买物品。然而，这些解决方案需要直接在电话和自动售货机之间进行通信，这需要用于与不同类型的电话交互的特殊硬件、以及用于取决于消费者所预订的电话服务来对该消费者所发生的费用记帐的独特方法。例如，消费者可经由她的移动电话公司来记帐或者她可能必须预订支持此类交易的完全独立的服务。
需要更好的解决方案来使消费者能经由移动电话或其他类似设备来从自动售货机进行购买，而没有为每一个自动售货机设置用于与不同类型的移动设备和不同的记帐公司交互的不同的记帐方法和设备的复杂性。本发明各实施例单独地或共同地解决这些问题及其它问题。
简要概述
本发明的各实施例涉及使用可用于支付等的便携式消费设备的系统和方法。
本发明的一个实施例涉及一种方法，包括从由消费者操作的便携式消费设备接收支付请求消息，其中该支付请求消息包括为来自自动售货机的产品付费的请求，将授权响应消息发回到该自动售货机，其中该自动售货机随后在该授权响应消息指示该消费者获授权进行购买的情况下提示该消费者输入选择，以及从该自动售货机接收已购买该产品的确认消息。
本发明的另一实施例涉及一种方法，包括审阅与自动售货机相关联的联系信息，使用该联系信息和便携式消费设备来发送支付请求消息，其中该自动售货机随后接收指示支付已获授权的授权响应消息并且该自动售货机之后提示该消费者作出选择，选择该自动售货机中的产品，以及从该自动售货机接收该产品。
本发明的另一实施例涉及一种方法，包括接收指示消费者已获授权进行购买的授权响应消息，提示该消费者输入选择，以及在该消费者在给定时间量内作出该选择的情况下将对应于该选择的物品交付给该消费者。
本发明的另一实施例涉及一种方法，包括接收与自动售货机相关联的电话号码以及拨打该电话号码，其中在拨打后，该自动售货机随后接收将产品分发给操作电话的消费者的授权。
本发明的另一实施例涉及一种方法，包括自动检测自动售货机，提示消费者输入与该自动售货机相关联的信息，以及发送支付请求消息，其中该自动售货机随后接收将产品分发给该消费者的授权。
以下将详细描述本发明的这些和其它实施方式。
附图简述
图1示出了根据本发明的一实施例的系统的框图。
图2示出了根据本发明的一实施例的自动售货机的框图。
图3示出了根据本发明的一实施例的便携式消费设备的框图。
图4示出了根据本发明的一实施例的支付处理网络的框图。
图5示出了例示根据本发明的一实施例的方法中的各步骤的流程图。
图6示出了例示根据本发明的一实施例的方法中的各步骤的流程图。
图7示出了例示根据本发明的一实施例的方法中的各步骤的流程图。
图8(a)示出了根据本发明的一实施例的示例性自动售货机上的显示器和移动电话。
图8(b)示出了根据本发明的一实施例的示例性自动售货机上的显示器。
图9(a)示出了根据本发明的一实施例的示例性自动售货机上的显示器和移动电话。
图9(b)示出了根据本发明的一实施例的示例性自动售货机上的显示器。
图10(a)示出了根据本发明的一实施例的示例性自动售货机上的显示器和移动电话。
图10(b)示出了根据本发明的一实施例的示例性自动售货机上的显示器。
详细描述
本发明的各实施例涉及使用便携式消费设备以及使用这些设备的方法和系统。优选的便携式消费设备是移动电话。移动电话可在如图1所示的支付处理系统中使用。
在本发明的某些实施例中，支付请求消息是从诸如电话等便携式消费设备直接发送到诸如VisaNet(维萨网络)等支付处理网络的。如此处所使用的，“支付请求消息”可以是为产品或选择付费的隐式或显式请求。支付请求消息可采用不同的形式。例如，支付请求消息可仅仅是拨号电话号码的形式。拨打与自动售货机相关联的专用电话号码可以是为产品付费的隐式请求，因为它不包含显式支付消息。在其他实施例中，支付请求消息可具体化为SMS消息、电子邮件或某种其他类型的消息。这些消息可包括或不包括显式支付请求。例如，向专用地址发送任何文本消息可以是隐式支付请求。或者，可发送说“支付自动售货机346”的文本消息。这是显式支付请求。
图1示出了可在本发明的一实施例中使用的系统20。为了简化图示，示出了一个自动售货机、一个发行方、一个便携式消费设备以及一个消费者。然而，可以理解，本发明的各实施例可包括多个自动售货机、发行方、便携式消费设备和/或消费者。另外，本发明的某些实施例可包括比图1所示的所有组件更少的组件。同样，图1中的组件可使用任何合适的通信协议经由任何合适的介质(包括因特网)来进行通信。
系统20包括自动售货机22、消费者30、支付处理网络26、便携式消费设备32以及与便携式消费设备32相关联的发行方28。便携式消费设备32可经由支付处理网络26来与发行方28进行通信。
发行方28可以是银行，但它也可以是诸如零售商店等商业实体。发行方28可操作服务器计算机21，其可具有包括用于执行发行方28所执行的功能的代码的计算机可读介质。包括账号信息和其他信息的数据库23可有效地耦合到服务器计算机21。数据库23可包括与消费者30和便携式消费设备32相关联的账户。
消费者30可以是可使用便携式消费设备32的个人。
自动售货机22可由诸如使用自动售货机22来销售商品的组织或企业等实体拥有或租用。自动售货机22通常是在消费者30为产品付费之后分发产品的机器。合适的产品的示例包括食品(例如，糖果、口香糖、软饮料等)、旅行物品、报纸、票子、电影、电子产品等。
自动售货机22可包含如图2所示的组件。例如，自动售货机22可具有包括代码的计算机可读介质(“CRM”)22(b)，该代码包括用于执行自动售货机22所执行功能的指令，以及用于执行那些指令的处理器22(c)。自动售货机22还可具有用于向消费者30显示消息的显示器22(a)、以及用于向消费者30提供音频消息的扬声器22(d)。自动售货机22还可具有输入元件22(e)(例如，按钮、控制杆或其他执行机构)，其用于允许消费者30对要从自动售货机22购买的一个或多个物品作出选择，以及网络接口22(f)，其用于与支付处理网络26进行通信以使得自动售货机22可在支付授权过程期间进行通信。自动售货机22还可具有供消费者30购买的一个或多个物品选择22(g)。选择22(g)可包括诸如食品(例如，糖果、口香糖、软饮料等)、旅行物品等。
自动售货机22还可具有可与便携式消费设备32交互的读取器22(h)，或者可从其接收通信。读取器22(h)可包括任何合适的接触式或非接触式操作模式。例如，示例性读卡器可包括用于与便携式消费设备32交互的RF(射频)天线、磁条读取器等。非接触式读取器是市场上可买到的。用于允许自动售货机22在本发明的各实施例中起作用的合适的设备可从伯纳斯数据公司(Bonusdata AG)购买。
便携式消费设备32可以是任何合适的形式。例如，合适的便携式消费设备可以是手持式且是紧凑型的，从而使其适于放入消费者的钱包和/或口袋(例如，袖珍型的)。这些便携式消费设备可以包括智能卡、普通信用卡或借记卡(带有磁条而没有微处理器)、钥匙链设备(如可在市场上从埃克森美孚公司买到的SpeedpassTM)等。便携式消费设备的其它示例包括蜂窝电话和移动电话、个人数字助理(PDA)、寻呼机、支付卡、安全卡、赊购卡、智能介质、发射机应答器等。便携式消费设备还可以是借记设备(例如，借记卡)、贷记设备(例如，信用卡)、或储值设备(例如，储值卡)。
便携式消费设备32可包括如图3所示的计算机可读介质32(b)和主体32(h)。计算机可读介质32(b)存在于主体32(h)中，或者可与其分离。主体32(h)可以是塑料衬底、外壳或其他结构的形式。计算机可读介质32(b)可以是存储数据的存储器并且可以是包括磁条、存储器芯片在内的任何合适的形式。
如果计算机可读介质32(b)在电话中，则它可包括用于从消费者处接收电话号码和支付请求消息的代码，其中该支付请求消息包括为来自自动售货机的产品付费的请求。它还可包括用于拨打电话号码的代码；以及用于发送支付请求消息的代码，其中自动售货机随后接收指示支付已获授权(或未获授权)的授权响应消息，其中该自动售货机之后提示消费者作出选择。
便携式消费设备32还可包括非接触式元件32(g)，其通常以具有诸如天线等相关联的无线传输(例如，数据传输)元件的半导体芯片(或其他数据存储元件)的形式实现。非接触式元件32(g)与便携式消费设备32相关联(例如，嵌在其中)并且经由蜂窝网络发送的数据或控制指令可通过非接触式元件接口(未示出)来应用于非接触式元件32(g)。该非接触式元件接口用于准许在移动设备电路(并因此蜂窝网络)和可任选的非接触式元件32(g)之间交换数据和/或控制指令。
非接触式元件32(g)能够使用通常根据标准化协议或数据传输机制(例如，ISO 14443/近场通信(“NFC”))的NFC能力(或近场通信介质)来传输和接收数据。近场通信能力是短程通信能力，诸如RFID、蓝牙TM、红外线或可用于在便携式消费设备32与支付处理网络26或自动售货机22之间交换数据的其他数据传输能力等。由此，便携式消费设备32能够经由蜂窝网络和近场通信能力两者来传送和传输数据和/或控制指令。
便携式消费设备32还可包括处理器32(c)(例如，微处理器)，其用于处理便携式消费设备32和显示器32(d)的功能以允许消费者看见电话号码以及其他信息和消息。便携式消费设备32还可包括：输入元件32(e)，其用于允许消费者将信息输入到设备中；扬声器32(f)，其用于允许消费者听见语音通信、音乐等；以及话筒32(i)，其用于允许消费者通过便携式消费设备32来传送她的话音。便携式消费设备32还可包括用于无线数据传送(例如，数据传输)的天线32(a)。
再次参考图1，支付处理网络26可包括用于支持和传递授权服务、异常文件服务、以及清算和结算服务的数据处理子系统、网络和操作。示例性支付处理网络可以包括VisaNetTM。诸如VisaNetTM等支付处理网络能够处理信用卡交易、借记卡交易、以及其它类型的商业交易。具体而言，VisaNetTM包括处理授权请求的VIP系统(Visa集成支付系统)以及执行清算和结算服务的Base II系统。
具体地，支付处理网络26可包括如图4所示的服务器计算机415。如此处所使用的，“服务器计算机”通常是强大的计算机或计算机群。例如，服务器计算机可以是大型主机、小型计算机群、或作为一个单元来运作的服务器组。在一个示例中，服务器计算机可以是耦合到web服务器的数据库服务器。支付处理网络26可使用服务器计算机415，并且服务器计算机415可存在于包括因特网在内的任何合适的有线或无线网络中。
支付处理网络26还可包括网关405，藉此例如拨号请求、文本消息或短消息服务(“SMS”)消息可从便携式消费设备32传递到支付处理网络26。(SMS通常是在便携式消费设备上可用的、准许经由中间服务器来在各便携式消费设备之间发送短消息的服务。)网关405可具体化为计算机或网络，其允许或控制对另一计算机或网络的访问。网关405还可以是计算机或网络和另一计算机或网络之间的软件接口。
在该示例中，支付服务器415可确认并扩充从便携式消费设备32处接收到的支付请求消息。该支付服务器415可记录支付请求消息，并将该支付请求消息发送到授权过程设备435，在那里格式化该支付请求消息并将其发送到便携式消费设备32的发行方28。支付处理网络26还可包括登记数据库425，其出于验证和记录目的来存储便携式消费设备登记数据。
诸如银行等收单方(未在图1中示出)可以与支付处理网络26和发行方28进行电子通信。它还可以与自动售货机22以及其他自动售货机和/或拥有或操作自动售货机的组织进行电子通信。在本发明的各实施例中，自动售货机22可直接或通过收单方来与支付处理网络26进行通信。
参考图1-3，在一个购买交易实施例中，消费者30可使用便携式消费设备32来直接联系支付处理网络26以获得进行购买的授权。在该实施例中，便携式消费设备32在进行购买时不直接与自动售货机22进行通信。在该示例中，支付请求消息是从便携式消费设备32发送到支付处理网络26的。支付处理网络26然后将该支付请求消息转发给便携式消费设备32的发行方28。
在发行方28接收到该授权请求消息之后，发行方28将授权响应消息发回到支付处理网络26以指示当前交易是否已获授权。发行方28在向自动售货机22和/或便携式消费设备32发送授权响应消息之前可能需要需要诸如PIN等来自消费者30的附加信息。交易处理网络26然后将该授权响应消息转发给自动售货机22。
在自动售货机22接收到该授权响应消息后，自动售货机22显示器22(a)可显示该授权响应消息，或者自动售货机22可经由扬声器22(d)来发出该响应消息的声音。一旦自动售货机22接收到对支付的批准，该自动售货机22就可提示消费者30作出选择。对于常规自动售货机，消费者30然后可将一产品选为她想要的并且该产品之后可被分发给该消费者30。
在这天结束时，交易处理网络26可进行正常的清算和结算过程。清算过程是在支付处理网络26、发行方28和自动售货机22或可能与该自动售货机22相关联的收单方之间交换财务明细，以便于对消费者的账户过账以及与消费者的结算余额对账的过程。如上所述，收单方(未在图1中示出)可以是银行，其电子地耦合到支付处理网络26、发行方28和自动售货机22。
以下描述的实施例中的某一些可使用如上所述的支付处理系统，或该支付处理系统中的组件的任何合适的组合。以下描述了本发明的更具体的实施例。
以下更详细地描述了具体地使用移动电话的本发明的其他实施例。这些实施例可使用拨号、交互式语音响应(“IVR”)或被发送到支付处理网络的记讫消息。这些实施例还可使用诸如VisaNet等支付处理网络来授权交易并告知自动售货机支付已被接受。通过使用诸如VisaNet等支付处理网络，无需为每一个移动电话服务组织设置单独的记帐情形，或者为特定自动售货机设置单独的记帐服务。诸如VisaNet等支付处理网络与每一个不同的记帐组织交互以使得所有交易对于自动售货机而言看上去都是一样的。
以下描述了关于本发明的各实施例的附加细节。
图5示出了包括根据本发明的第一实施例的方法的流程图。该方法可参考图1-4、8(a)和8(b)来描述。
首先，消费者30使用便携式消费设备32中的输入元件32(e)来输入与自动售货机22相关联的电话号码，以便从该自动售货机22购买一个或多个选择22(g)(步骤500)。如图8(a)所示，号码可被公布(例如，通过诸如塑料或纸张等静态介质，或通过诸如LCD屏幕等动态介质)在自动售货机22上。或者，号码可以按某种其他方式(例如，邮件、电子邮件、SMS消息等)来提供给消费者30。
参考图4，然后经由网关405来将支付请求消息从便携式消费设备32发送到支付处理网络26。网关405将该支付请求消息传递给支付服务器415。支付服务器415对照包含登记数据425的数据库中的数据来确认该支付请求消息，并扩充该支付请求消息。支付服务器415然后将该支付请求消息传递给授权过程设备435，在那里格式化该支付请求消息并将其传递给便携式消费设备32的发行方28。
在发行方28接收到该支付请求消息之后，发行方28分析该支付请求消息并将授权响应消息发回到支付服务器415以指示当前交易是否获得授权。支付服务器415记录该响应并将该授权响应消息发送到自动售货机22。如果交易未获授权(步骤520)，则自动售货机22通知消费者30该交易被拒绝(步骤525)。如果交易获得授权(步骤520)，则自动售货机22提示消费者30在所分配的时间(例如，二十秒或更短)内选择要购买的物品(步骤530)。例如，如图8(b)所示，自动售货机22可显示说“请选择您的产品”的消息。
如果消费者30没有在所分配的时间内进行购买(步骤540)，则交易超时(步骤545)并且消费者30发起另一购买物品的支付请求。如果消费者30在所分配的时间内进行了购买(步骤540)，则将所选物品交付给消费者30并将购买确认发送到支付处理网络26(步骤550)。所购买的物品将出现在该消费者的下一份对账单上。
图6示出了包括根据本发明的第二实施例的通用方法的流程图。该方法可参考图1-4、9(a)和9(b)来描述。
首先，消费者30向与自动售货机22相关联的号码发送SMS以购买自动售货机22中的物品(步骤600)。如图9(a)所示，号码可被公布在自动售货机22上。或者，号码可以按某种其他方式(例如，邮件、电子邮件、SMS消息等)来提供给消费者30。
参考图4，然后经由网关405来将支付请求消息从便携式消费设备32发送到支付处理网络26。网关405将该支付请求消息传递给支付服务器415。支付服务器415对照包含登记数据425的数据库中的数据来确认该支付请求消息并扩充该支付请求消息。支付服务器415然后将该支付请求消息传递给授权过程设备435，在那里格式化该支付请求消息并将其传递给便携式消费设备32的发行方28。
发行方28在发送授权响应消息之前可能需要来自消费者30的PIN。如果是这种情况，则在发行方28接收并分析支付请求消息后，发行方28将PIN请求发回到支付服务器415并且支付服务器415将该PIN请求发送到便携式消费设备32。该PIN请求可以是音频或文本形式。
接着，提示消费者30将PIN输入到便携式消费设备32中(步骤610)。然后经由网关405来将该PIN从便携式消费设备32发送到支付处理网络26。网关405将该PIN传递给支付服务器415。支付服务器415然后将该PIN传递给便携式消费设备32的发行方28。
在发行方28接收到该PIN之后，发行方28验证该PIN匹配与消费者30相关联的PIN。在验证该PIN之后(或者在发行方28不需要PIN的情况下)，发行方28将授权响应消息发回到支付服务器415，以指示当前交易是否已获得授权。支付服务器415记录该响应并将该授权响应消息发送到自动售货机22。如果交易未获授权(步骤620)，则自动售货机22通知消费者30该交易被拒绝(步骤625)。如果交易获得授权(步骤620)，则自动售货机22提示消费者30在所分配的时间(例如，二十秒或更短)内选择要购买的物品(步骤630)。例如，如图9(b)所示，自动售货机22可显示说“请选择您的产品”的消息。
如果消费者30没有在所分配时间内进行购买(步骤640)，则交易超时(步骤645)并且消费者30发起另一购买物品的支付请求。如果消费者30在所分配时间内进行了购买(步骤640)，则将所选物品交付给消费者30并将购买确认发送到支付处理网络26(步骤650)。所购买的物品将出现在该消费者的下一份对账单上。
图7示出了包括根据本发明的第三实施例的通用方法的流程图。该方法可参考图1-4、10(a)和10(b)来描述。
在本发明的该实施例中，消费者30可使用手机钱包(mobile wallet)来进行自动售货机购买(步骤700)。手机钱包是启用支付的移动电话，其用作类似于借记卡、信用卡或预付卡的支付机构。例如，消费者30可向便携式消费设备32的发行方28注册她的信用卡，并且然后使用移动电话来进行购买，或者消费者30可以与便携式消费设备32的发行方28或她可从其支取的另一实体建立预付账户以进行购买。
首先，消费者30可启动便携式消费设备32中的应用程序，并键入如图10(a)所示的与自动售货机22相关联的机器别名(例如，“支付：可乐345”)。或者，便携式消费设备32可自动检测自动售货机22(经由RFID等)，并提示消费者30输入诸如图10(a)所示的机器别名等与自动售货机22相关联的信息(例如，机器别名、支付信息等)。如图10(a)所示，机器别名可被公布在自动售货机22上。消费者30还可能需要输入PIN以认证交易。
参考图4，然后经由网关405来将支付请求消息从便携式消费设备32发送到支付处理网络26。网关405将该支付请求消息传递给支付服务器415。支付服务器415对照包含登记数据425的数据库中的数据来确认该支付请求消息并扩充该支付请求消息。支付服务器415然后将该支付请求消息传递给授权处理设备435，在那里格式化该支付请求消息并将其传递给便携式消费设备32的发行方28。
在发行方28接收到该支付请求消息之后，发行方28分析该支付请求消息并将授权响应消息发回到支付服务器415以指示当前交易是否获得授权。支付服务器415记录该响应并将该授权响应消息发送到自动售货机22。如果交易未获授权(步骤720)，则自动售货机22通知消费者30该交易被拒绝(步骤725)。如果交易获得授权(步骤720)，则自动售货机22提示消费者30在所分配的时间(例如，二十秒或更短)内选择要购买的物品(步骤730)。例如，如图10(b)所示，自动售货机22可显示说“请选择您的产品”的消息。
如果消费者30没有在所分配时间内进行购买(步骤740)，则交易超时(步骤745)并且消费者30发起另一购买物品的支付请求。如果消费者30在所分配时间内进行了购买(步骤740)，则将所选物品交付给消费者30并将购买确认发送到支付处理网络26(步骤750)。所购买的物品将出现在该消费者的下一份对账单上。
其它替换实施例也是可能的。例如，尽管上述各示例请求消费者作出选择，但在其他实施例中，消费者实际上可在进行购买之前将该消费者想要的选择输入到便携式消费设备(例如，电话)中。例如，消费者可拨打自动售货机上的电话号码，并且之后可从支付处理网络获得请求该消费者输入所需产品的编号的自动回叫。该消费者然后可将编号“13”输入到他的电话中，并且自动售货机可自动分发与该编号相关联的产品。在该实施例中，消费者在支付过程期间可能根本不是与自动售货机直接交互。在另一示例中，消费者输入诸如“付给自动售货机345 $2.00，并分发产品13”等信息即可。该信息可被发送到支付处理并且支付处理网络之后可自动分发所需产品。
本发明的各实施例具有多个优点。第一，本发明的各实施例可直接联系支付处理网络，而无需消费者最初与自动售货机交互。因此，在某些情况下，自动售货机具有需要与消费者的便携式消费设备交互的某一接口(例如，非接触式读取器)是没有必要的。因为不需要这些专用读取器，所以这使得更有可能普遍地实现本发明的各实施例。此外，便携式消费设备和支付处理网络之间的通信在本发明的各实施例中比常规支付处理系统更为直接。这可降低通信在支付过程中出错的可能性。此外，通过直接联系支付处理网络(而不是首先联系电话公司)，该支付处理网络可记录并处理如同任一其他信用卡或借记卡支付交易的交易。
应当理解，如上所述的本发明能够以模块化或集成的方式使用计算机软件来以控制逻辑的形式实现。基于此处所提供的公开和示教，本领域普通技术人员将理解并认识到使用硬件和硬件和软件的组合来实现本发明的其它方式和/或方法。
在本申请中描述的任何软件组件或功能都可被实现为由处理器使用诸如，例如比如使用常规的或面向对象的技术的Java、C++、或Perl等任何适当计算机语言来执行的软件代码。软件代码可作为一系列指令或命令来存储在诸如随机存取存储器(RAM)、只读存储器(ROM)、诸如硬盘或软盘等磁性介质、或诸如CD-ROM等光学介质等计算机可读介质上。任何这种计算机可读介质可驻留在单个计算装置之上或之内，并可存在于系统或网络内的不同计算装置之上或之内。
以上说明书是说明性的而非限制性的。本发明的许多变体对本领域的技术人员在审阅本公开后是显而易见的。因此，本发明的范围不应参考以上描述来确定，而是应当参考所附权利要求以及其全部范围或等效方案来确定。
来自任何实施例的一个或多个特征可以与任何其它实施例的一个或多个特征相结合而不背离本发明的范围。
对“一”、“一个”或“该”的叙述旨在表示“一个或多个”，除非特别地有相反指示。

Claims (19)

1.一种方法，包括：
从由消费者操作的便携式消费设备接收支付请求消息，其中所述支付请求消息包括为来自自动售货机的产品付费的请求；
将授权响应消息发回到所述自动售货机，其中所述自动售货机随后在所述授权响应消息指示所述消费者被授权进行购买的情况下提示所述消费者输入选择；以及
从所述自动售货机接收已购买所述产品的确认消息。
2.如权利要求1所述的方法，其特征在于，还包括分析所述支付请求消息以确定所述消费者是否被授权为所述产品付费。
3.如权利要求1所述的方法，其特征在于，还包括自动呼叫所述便携式消费设备并请求所述消费者将PIN输入到所述设备中。
4.如权利要求1所述的方法，其特征在于，所述支付请求消息由支付处理网络来接收，并且其中所述支付请求消息不直接从所述便携式消费设备传递到所述自动售货机。
5.如权利要求1所述的方法，其特征在于，所述便携式消费设备是无线电话。
6.一种计算机可读介质，包括：
用于从由消费者操作的便携式消费设备接收支付请求消息的代码，其中所述支付请求消息包括为来自自动售货机的产品付费的请求；
用于将授权响应消息发回到所述自动售货机的代码，其中所述自动售货机随后在所述授权响应消息指示所述消费者被授权进行购买的情况下提示所述消费者输入选择；以及
用于从所述自动售货机接收已购买所述产品的确认消息的代码。
7.一种包括如权利要求6所述的计算机可读介质的服务器。
8.一种方法，包括：
审阅与自动售货机相关联的联系信息；
使用所述联系信息和便携式消费设备来发送支付请求消息，其中所述自动售货机随后接收指示支付已获授权的授权响应消息并且所述自动售货机之后提示所述消费者作出选择；
选择所述自动售货机中的产品；以及
从所述自动售货机接收所述产品。
9.如权利要求8所述的方法，其特征在于，所述便携式消费设备是无线电话。
10.一种方法，包括：
接收指示消费者被授权进行购买的授权响应消息；
提示所述消费者输入选择；以及
在所述消费者在给定时间量内作出选择的情况下将对应于所述选择的物品交付给所述消费者。
11.如权利要求10所述的方法，其特征在于，所述给定时间量是二十秒或更短。
12.一种适于执行如权利要求10所述的方法的自动售货机。
13.一种方法，包括：
接收与自动售货机相关联的电话号码；以及
拨打所述电话号码，其中在拨打后，所述自动售货机随后接收将产品分发给操作所述电话的消费者的授权。
14.一种计算机可读介质，包括：
用于接收与自动售货机相关联的电话号码的代码；以及
用于拨打所述电话号码的代码，其中在拨打后，所述自动售货机随后接收将产品分发给操作所述电话的消费者的授权。
15.一种包括如权利要求14所述的计算机可读介质的无线电话。
16.一种方法，包括：
自动检测自动售货机；
提示消费者输入与所述自动售货机相关联的信息；以及
发送支付请求消息，其中所述自动售货机随后接收将产品分发给所述消费者的授权。
17.如权利要求16所述的方法，其特征在于，还包括提示所述消费者输入PIN。
18.一种计算机可读介质，包括：
用于自动检测自动售货机的代码；
用于提示消费者输入与所述自动售货机相关联的信息的代码；以及
用于发送支付请求消息的代码，其中所述自动售货机随后接收将产品分发给所述消费者的授权。
19.一种包括如权利要求18所述的计算机可读介质的无线电话。
CNA2007800507071A 2006-12-26 2007-12-20 移动自动售货机购买 Pending CN101595491A (zh)

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