WO2000036569A1 - System for electronic cashless purchase of goods and services by payment card - Google Patents

System for electronic cashless purchase of goods and services by payment card Download PDF

Info

Publication number
WO2000036569A1
WO2000036569A1 PCT/CZ1999/000050 CZ9900050W WO0036569A1 WO 2000036569 A1 WO2000036569 A1 WO 2000036569A1 CZ 9900050 W CZ9900050 W CZ 9900050W WO 0036569 A1 WO0036569 A1 WO 0036569A1
Authority
WO
WIPO (PCT)
Prior art keywords
block
goods
services
payment card
supplier
Prior art date
Application number
PCT/CZ1999/000050
Other languages
French (fr)
Other versions
WO2000036569B1 (en
Inventor
Eliahou O'Hayon
Original Assignee
Card Line S.R.O.
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 Card Line S.R.O. filed Critical Card Line S.R.O.
Priority to HU0100866A priority Critical patent/HUP0100866A3/en
Priority to SK1227-2000A priority patent/SK284504B6/en
Priority to PL99342891A priority patent/PL342891A1/en
Publication of WO2000036569A1 publication Critical patent/WO2000036569A1/en
Publication of WO2000036569B1 publication Critical patent/WO2000036569B1/en

Links

Classifications

    • 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
    • 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
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • 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
    • G06Q20/38—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
    • 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
    • G07F7/0866—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 by active credit-cards adapted therefor

Definitions

  • the invention involves a system for cashless purchase of goods and services by means of payment cards and a public computer network or other electronic data link as the case may be.
  • client terminals provide information on the balance in a client ' s account and make it possible to transfer funds from the account or order goods.
  • a disadvantage of existing systems is the direct involvement of the bank as issuer of payment cards in the process of purchase of goods or services, which can be a limiting factor, due to various practical constraints, for the expansion of cashless settlement by payment card.
  • the object of the system according to the invention submitted is to increase the number and distribution of supports for executing settlement by payment card, while at the same time improving safety in the purchase of goods and services and security in the conditions of purchase, including the quality of goods and delivery conditions.
  • the system for cashless electronic purchase of goods and services by means of payment cards and a public computer network comprises a bank operations with payment card block, connected to a payment card holder block and further comprises, a sales operator block and a goods or services supplier block.
  • the basis of the invention lies in the fact that the payment card holder block is connected to the sales operator block, which is connected, on the one hand, to the bank operations with payment card block and, on the other, to at least one goods or services supplier block.
  • the bank operations with payment card block includes an authorisation and payment card evaluation block.
  • connection of the payment card holder block to the bank operations with payment card block and, as the case may be, to a sales operator block and thereby to a goods or services supplier block can be effected by means of a public computer network, or by electronic data link to a cellular telephone line etc.
  • the advantage lies in the concentration of all goods or services sales operations, including guarantee of delivery conditions, in one place, i.e. the sales operator block, while maintaining the advantages of the bank payment card.
  • the sales operator block can be connected to the block of a further supplier of goods or services.
  • the block of the further supplier of goods or services can likewise be connected to a goods or services supplier block.
  • Figure 1 represents a block diagram of the system for electronic cashless purchase of goods and services by payment card.
  • Figure 2 shows a variant on the figure 1 link-up, when more suppliers participate in the supply of goods or the provision of services.
  • FIG. 1 shows in schematic form the structure of the system for electronic cashless purchase of goods and services by payment card according to this invention.
  • the bank computers ascertain whether it is possible to issue a payment card to a particular applicant from the point of view of the withdrawal limit, and an identification number i ⁇ assigned lo Hie card.
  • a ntractual relationship exists between the client and the bank, defining the conditions of payment and use of the payment card.
  • the bank operations with payment card block 1_ (which includes an authorisation and payment card evaluation block) receives, for example by means of a public computer network or electronic cellular telephone, instructions from the payment card holder block 2 and, according to the conditions of the contract, supplies him with an electronic or other appropriate form of account statement.
  • the payment card holder receives from the bank operations with payment card block I information concerning specific goods and services that can be ordered from a specific merchant (sales operator block 3). This information can be in electronic form or in hardcopy. Items from a magazine or catalogue etc. put out by the merchant and forming, through his computer and that of the user, part of a public computer network, can constitute an offer.
  • the payment card holder After selection of goods, which can be bought only on the basis of a particular offer, the payment card holder is connected, for example by means of his computer or a given telephone line, with the sales operator block 3 to which he gives his orders and communicates his payment card number.
  • the sales operator block 3 is connected with the bank operations with payment card block _1 (for example by the bank computer) by means of which verification is performed of the requisite data from the payment card holder block 2.
  • the sales operator block 3 After verification, if all the orders can be filled, meaning for example that the validity of the card is ascertained and that the balance in the account covers the price of the goods ordered, the sales operator block 3 provides, via the computer for example, information on the requested purchase of goods to the goods or services supplier block 4 and orders the goods there.
  • the client (payment card holder block 2) takes the goods from and pays the merchant and is in contact exclusively with the block 3 of the sales operator, who thus guarantees the quality of the goods and the delivery conditions.
  • Figure 2 shows a further modification of the system, in which a sales operator block 3 is similarly connected to the block 5 of a further supplier of goods or services.
  • the block 5 of a further supplier of goods or services can be connected to a supplier of goods or services block 4.

Abstract

A system for electronic cashless purchase of goods and services by means of payment cards and, where applicable, of a public computer network, comprising a bank operations with payment card block (1), connected to a payment card holder block (2) and further comprising a sales operator block (3) and a goods or services supplier block (4). The payment card holder block (2) is connected to the sales operator block (3), which is connected, on the one hand, to the bank operations with payment card block (1) and, on the other, to at least one goods or services supplier block (4). The bank operations with payment card block (1) includes an authorisation and payment card evaluation block. The sales operator block (3) can be connected to the block (5) of a further supplier of goods or services. The block (5) of a further supplier of goods or services can also be connected to a goods or services supplier block (4).

Description

System for electronic cashless purchase of goods and services by payment card
Field of the invention
The invention involves a system for cashless purchase of goods and services by means of payment cards and a public computer network or other electronic data link as the case may be.
Description of the prior art
Settlement for goods and services has been made to date mainly by cash. However, cashless sales are spreading by means of a great variety of payment cards and computer assisted bank transfers which speed up, simplify and reduce the cost of payment operations. The selection of goods and services offered through public computer networks is constantly expanding. A whole series of systems now exist, which are constantly being upgraded and are expanding the selection of services to the client.
In banks and shopping centres client terminals provide information on the balance in a client's account and make it possible to transfer funds from the account or order goods. A disadvantage of existing systems is the direct involvement of the bank as issuer of payment cards in the process of purchase of goods or services, which can be a limiting factor, due to various practical constraints, for the expansion of cashless settlement by payment card.
Systems for cashless settlement by payment card are described in a whole series of patent files, for example Czech patent application PN 2334-97, British patent applications
No. 2 276 258 and 2 283 349, European patent applications EP 0 807 910 A2, EP 0 855 687,
EP 0 865 010, PCT applications, publications No. WO 96/00485, WO 97/13228,
WO 98/09260, WO98/47116, WO 98/13796, WO 96/36026, WO 96/36024 (class G 07
F 7/10 and 19/00 MPT) etc.
Summary of the Invention
The object of the system according to the invention submitted is to increase the number and distribution of supports for executing settlement by payment card, while at the same time improving safety in the purchase of goods and services and security in the conditions of purchase, including the quality of goods and delivery conditions. The system for cashless electronic purchase of goods and services by means of payment cards and a public computer network comprises a bank operations with payment card block, connected to a payment card holder block and further comprises, a sales operator block and a goods or services supplier block. The basis of the invention lies in the fact that the payment card holder block is connected to the sales operator block, which is connected, on the one hand, to the bank operations with payment card block and, on the other, to at least one goods or services supplier block. The bank operations with payment card block includes an authorisation and payment card evaluation block. The connection of the payment card holder block to the bank operations with payment card block and, as the case may be, to a sales operator block and thereby to a goods or services supplier block can be effected by means of a public computer network, or by electronic data link to a cellular telephone line etc. The advantage lies in the concentration of all goods or services sales operations, including guarantee of delivery conditions, in one place, i.e. the sales operator block, while maintaining the advantages of the bank payment card.
The sales operator block can be connected to the block of a further supplier of goods or services. The block of the further supplier of goods or services can likewise be connected to a goods or services supplier block. These modifications are useful where the nature of goods or services calls for the co-ordination of more than one supplier. Thus for example the supply of certain goods can be linked to the organisation of a trip and accommodation for the sub- supplier or directly for the client, who familiarises himself with technical and economic conditions and can make decisions on the spot. This linking up makes it possible for the majority of suppliers to offer an expanded selection of goods, and to combine the supply of goods with other services as required.
Brief Description of the Drawings
The invention is explained in greater detail by means of the drawings. Figure 1 represents a block diagram of the system for electronic cashless purchase of goods and services by payment card. Figure 2 shows a variant on the figure 1 link-up, when more suppliers participate in the supply of goods or the provision of services.
Description of the Preferred Embodiments
Figure 1 shows in schematic form the structure of the system for electronic cashless purchase of goods and services by payment card according to this invention. The object and functioning of this system will be apparent from the following description. In the control block, the bank computers ascertain whether it is possible to issue a payment card to a particular applicant from the point of view of the withdrawal limit, and an identification number i§ assigned lo Hie card. Upon issuance of the payment card, a ntractual relationship exists between the client and the bank, defining the conditions of payment and use of the payment card. On the basis of this contractual relationship between the client and the bank, the bank operations with payment card block 1_ (which includes an authorisation and payment card evaluation block) receives, for example by means of a public computer network or electronic cellular telephone, instructions from the payment card holder block 2 and, according to the conditions of the contract, supplies him with an electronic or other appropriate form of account statement. With every statement from his account or information concerning the status of his account, the payment card holder (payment card holder block 2) receives from the bank operations with payment card block I information concerning specific goods and services that can be ordered from a specific merchant (sales operator block 3). This information can be in electronic form or in hardcopy. Items from a magazine or catalogue etc. put out by the merchant and forming, through his computer and that of the user, part of a public computer network, can constitute an offer.
After selection of goods, which can be bought only on the basis of a particular offer, the payment card holder is connected, for example by means of his computer or a given telephone line, with the sales operator block 3 to which he gives his orders and communicates his payment card number. The sales operator block 3 is connected with the bank operations with payment card block _1 (for example by the bank computer) by means of which verification is performed of the requisite data from the payment card holder block 2. After verification, if all the orders can be filled, meaning for example that the validity of the card is ascertained and that the balance in the account covers the price of the goods ordered, the sales operator block 3 provides, via the computer for example, information on the requested purchase of goods to the goods or services supplier block 4 and orders the goods there. The client (payment card holder block 2) takes the goods from and pays the merchant and is in contact exclusively with the block 3 of the sales operator, who thus guarantees the quality of the goods and the delivery conditions.
Figure 2 shows a further modification of the system, in which a sales operator block 3 is similarly connected to the block 5 of a further supplier of goods or services. Alternatively, the block 5 of a further supplier of goods or services can be connected to a supplier of goods or services block 4. These modifications are useful in cases where the provision of goods or services calls for the co-operation of more sub-suppliers, or the nature of the order requires additional services, for example travel arrangements, accommodation or expertise. At the same time, just as in the basic structural arrangement of the system according to this invention, the payment card holder block 2 i§ in exclusive ont ct during this o eration with the block 3 of the sales operator, who guarantees the quality of the goods and services and the delivery conditions. The advantages of the system described have already been mentioned. It should perhaps be pointed out however that, besides the principal objective, i.e. the provision and distribution of supports for settlement by bank payment card, and the increased effectiveness, retroactive control and simplification of the whole process of cashless payment for goods and services, the separation of the sales operator block 3 from the bank operations with payment card block I is an advantage and in some countries even a requirement.

Claims

1. A system for electronic cashless purchase of goods and services by means of payment cards and, where applicable, of a public computer network, comprising a bank operations with payment card block (1), connected to a payment card holder block (2) and further comprising a sales operator block (3) and a goods or services supplier block (4), characterised by the fact that the payment card holder block (2) is connected to the sales operator block (3), which is connected, on the one hand, to the bank operations with payment card block (1) and, on the other, to at least one goods or services supplier block (4).
2. A system according to claim 1, characterised by the fact that a bank operations with payment card block (1) includes an authorisation and payment card evaluation block.
3. A system according to claims 1 or 2, characterised by the fact that a sales operator block (3) is connected to the block (5) of a further supplier of goods or services.
4. A system according to claim 3, characterised by the fact that the block (5) of a further supplier of goods or services is connected to a goods or services supplier block (4).
PCT/CZ1999/000050 1998-12-16 1999-12-13 System for electronic cashless purchase of goods and services by payment card WO2000036569A1 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
HU0100866A HUP0100866A3 (en) 1998-12-16 1999-12-13 System for electronic cashless purchase of goods and services by payment card
SK1227-2000A SK284504B6 (en) 1998-12-16 1999-12-13 System for electronic cashless purchase of goods and services by payment card
PL99342891A PL342891A1 (en) 1998-12-16 1999-12-13 System for electronic cashless purchase of goods and services by payment card

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CZ880498 1998-12-16
CZPUV8804-98 1998-12-16

Publications (2)

Publication Number Publication Date
WO2000036569A1 true WO2000036569A1 (en) 2000-06-22
WO2000036569B1 WO2000036569B1 (en) 2000-09-08

Family

ID=5468583

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CZ1999/000050 WO2000036569A1 (en) 1998-12-16 1999-12-13 System for electronic cashless purchase of goods and services by payment card

Country Status (4)

Country Link
HU (1) HUP0100866A3 (en)
PL (1) PL342891A1 (en)
SK (1) SK284504B6 (en)
WO (1) WO2000036569A1 (en)

Citations (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2276258A (en) 1991-09-19 1994-09-21 Jerry R Martinez Validating credit information during home delivery of order
GB2283349A (en) 1993-10-29 1995-05-03 Ibm Transaction processing system
WO1996000485A2 (en) 1994-06-24 1996-01-04 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
WO1997013228A1 (en) 1994-03-31 1997-04-10 Akel William S Distributed on-line money access card transaction processing system
EP0779587A2 (en) * 1995-12-15 1997-06-18 Kabushiki Kaisha N.K Kikaku On-line shopping system and the method of payment settlement
EP0807910A2 (en) 1996-05-16 1997-11-19 Nippon Telegraph And Telephone Corporation Electronic cash implementing method with a surveillance institution, and user apparatus and surveillance institution apparatus for implementing the same
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
WO1998009260A1 (en) 1996-08-29 1998-03-05 Xcellink Corporation Automatic electronic funds transfer system and method
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
EP0855687A2 (en) 1997-01-15 1998-07-29 AT&T Corp. System and method for distributed content electronic commerce
EP0865010A1 (en) 1997-03-13 1998-09-16 France Telecom Secure electronic payment system and method to implement it
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet

Patent Citations (13)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2276258A (en) 1991-09-19 1994-09-21 Jerry R Martinez Validating credit information during home delivery of order
GB2283349A (en) 1993-10-29 1995-05-03 Ibm Transaction processing system
WO1997013228A1 (en) 1994-03-31 1997-04-10 Akel William S Distributed on-line money access card transaction processing system
WO1996000485A2 (en) 1994-06-24 1996-01-04 Telefonaktiebolaget Lm Ericsson User authentication method and apparatus
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5715314A (en) * 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
EP0779587A2 (en) * 1995-12-15 1997-06-18 Kabushiki Kaisha N.K Kikaku On-line shopping system and the method of payment settlement
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
EP0807910A2 (en) 1996-05-16 1997-11-19 Nippon Telegraph And Telephone Corporation Electronic cash implementing method with a surveillance institution, and user apparatus and surveillance institution apparatus for implementing the same
WO1998009260A1 (en) 1996-08-29 1998-03-05 Xcellink Corporation Automatic electronic funds transfer system and method
EP0855687A2 (en) 1997-01-15 1998-07-29 AT&T Corp. System and method for distributed content electronic commerce
EP0865010A1 (en) 1997-03-13 1998-09-16 France Telecom Secure electronic payment system and method to implement it

Also Published As

Publication number Publication date
WO2000036569B1 (en) 2000-09-08
SK12272000A3 (en) 2001-02-12
HUP0100866A2 (en) 2001-06-28
HUP0100866A3 (en) 2003-02-28
SK284504B6 (en) 2005-05-05
PL342891A1 (en) 2001-07-16

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