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System, method, and business method for settling micropayment transactions to a pre-paid instrument

机译:用于将小额支付交易结算到预付费工具的系统,方法和业务方法

摘要

The invention provides a method for conducting a transaction between a first and second consumer, and a merchant using one or more electronic communication devices. The method includes issuing a first prepaid calling card to a first consumer and issuing a second dependent prepaid calling card dependent on the first prepaid calling card, to a second consumer dependent on the first consumer, based on a second specified criteria. In the invention, the second specified criteria is specified by the first consumer, wherein both the first and second specified criteria are stored as imbedded data in the respective prepaid calling cards. The invention further involves conducting, at a merchant network node a micropayment transaction and receiving into the merchant network node from the at least one consumer electronic communications device first prepaid-calling card data or second dependent prepaid-calling card data as payment for the item of value.
机译:本发明提供了一种用于使用一个或多个电子通信设备在第一和第二消费者与商人之间进行交易的方法。该方法包括基于第二指定标准,将第一预付费电话卡发行给第一消费者,以及将依赖于第一预付费电话卡的第二从属预付费电话卡发行给依赖于第一消费者的第二消费者。在本发明中,第二指定标准由第一消费者指定,其中,第一和第二指定标准都作为嵌入数据存储在相应的预付费电话卡中。本发明还涉及在商家网络节点处进行小额支付交易,并从至少一个消费者电子通信设备接收到商家网络节点中的第一预付费电话卡数据或第二从属预付费电话卡数据作为对该商品的付款。值。

著录项

  • 公开/公告号US8244613B1

    专利类型

  • 公开/公告日2012-08-14

    原文格式PDF

  • 申请/专利权人 MARK J PETTAY;RODNEY J KEMPKES;

    申请/专利号US20100768469

  • 发明设计人 RODNEY J KEMPKES;MARK J PETTAY;

    申请日2010-04-27

  • 分类号G06Q40/00;

  • 国家 US

  • 入库时间 2022-08-21 17:30:32

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