BR0007026A - Online purchase system and method - Google Patents

Online purchase system and method

Info

Publication number
BR0007026A
BR0007026A BR0007026-2A BR0007026A BR0007026A BR 0007026 A BR0007026 A BR 0007026A BR 0007026 A BR0007026 A BR 0007026A BR 0007026 A BR0007026 A BR 0007026A
Authority
BR
Brazil
Prior art keywords
user
purchase
account
online
serial number
Prior art date
Application number
BR0007026-2A
Other languages
Portuguese (pt)
Inventor
Rogelio Sosa
Bertrand Sosa
Original Assignee
Netspend 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 Netspend Corp filed Critical Netspend Corp
Publication of BR0007026A publication Critical patent/BR0007026A/en

Links

Classifications

    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

"SISTEMA E MéTODO DE COMPRA ON-LINE". Trata-se de um sistema de compras on-line (100) que proporciona uma opção de pagamento on-line anónima e segura, universalmente acessível, para os consumidores. Um usuário (103) para com dinheiro e recebe um número de série. O número de série pode ser impresso em um cartão de dinheiro (111) ou semelhante por conveniência. O usuário acessa um sistema proxy on-line (107) que estabelece uma conta em dinheiro (125) utilizando o número de série e permite ao usuário conduzir as transações on-line utilizando a conta em dinheiro. O usuário acessa a conta em dinheiro (125) com um ID do usuário (127) e com a senha (129) que [podem ser arbitrariamente escolhidos para manter o anonimato. O sistema proxy (107) inclui pelo menos uma conta corrente universalmente aceita (147) que é utilizada para conduzir as transações em nome do usuário (103) . O usuário navega pela Internet (101) procurando mercadorias e serviços de comerciantes on-line (105) . O usuário seleciona os itens para compra e indica o desejo de comprar os itens selecionados por selecionar ou fazer uma interface com um botão de compra (145) ou semelhante. O sistema proxy (107) intercepta a solicitação de compra, compara o saldo da conta do usuário (131) com o valor total das compras (143) para verificar a suficiência de fundos, ajusta o saldo da conta (131) se existir fundo suficiente e popula uma página de compra (141) do comerciante com a informação de conta corrente válida para completar a compra. Os cartões de dinheiro (111) podem ser dispensados em uma máquina de venda/recebimento de moeda corrente, unidade de dispensa (109) ou semelhantes. O número de série incorpora um valor monetário e pode adicionalmente incluir as informações sobre patrocinador, unidade de dispensa, ou temporais como desejado."ON-LINE PURCHASE SYSTEM AND METHOD". It is an online shopping system (100) that provides an anonymous and secure online payment option, universally accessible, to consumers. A user (103) stops with money and receives a serial number. The serial number can be printed on a cash card (111) or similar for convenience. The user accesses an online proxy system (107) that establishes a cash account (125) using the serial number and allows the user to conduct online transactions using the cash account. The user accesses the cash account (125) with a user ID (127) and password (129) which [can be arbitrarily chosen to remain anonymous. The proxy system (107) includes at least one universally accepted checking account (147) that is used to conduct transactions on behalf of the user (103). The user browses the Internet (101) looking for goods and services from online merchants (105). The user selects the items to purchase and indicates the desire to purchase the selected items by selecting or interfacing with a purchase button (145) or similar. The proxy system (107) intercepts the purchase request, compares the user's account balance (131) with the total amount of purchases (143) to check the sufficiency of funds, adjusts the account balance (131) if there is sufficient fund and populate a merchant's purchase page (141) with valid checking account information to complete the purchase. Cash cards (111) can be dispensed in a currency vending / receiving machine, dispensing unit (109) or the like. The serial number incorporates a monetary value and can additionally include information about sponsor, dispensing unit, or storms as desired.

BR0007026-2A 1999-08-27 2000-08-25 Online purchase system and method BR0007026A (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US38458199A 1999-08-27 1999-08-27
US49388600A 2000-01-28 2000-01-28
PCT/US2000/023413 WO2001016768A1 (en) 1999-08-27 2000-08-25 An online purchase system and method

Publications (1)

Publication Number Publication Date
BR0007026A true BR0007026A (en) 2002-06-18

Family

ID=27010660

Family Applications (1)

Application Number Title Priority Date Filing Date
BR0007026-2A BR0007026A (en) 1999-08-27 2000-08-25 Online purchase system and method

Country Status (4)

Country Link
AU (1) AU7076000A (en)
BR (1) BR0007026A (en)
MX (1) MXPA01004206A (en)
WO (1) WO2001016768A1 (en)

Families Citing this family (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6871140B1 (en) 2000-02-25 2005-03-22 Costar Group, Inc. System and method for collection, distribution, and use of information in connection with commercial real estate
US7076452B2 (en) 2000-10-23 2006-07-11 Costar Group, Inc. System and method for collection, distribution, and use of information in connection with commercial real estate
US7640204B2 (en) 2000-10-23 2009-12-29 Costar Group, Inc. System and method for collection, distribution, and use of information in connection with commercial real estate
US7174301B2 (en) 2000-10-23 2007-02-06 Costar Group, Inc. System and method for accessing geographic-based data
US7487114B2 (en) 2000-10-23 2009-02-03 Costar Group, Inc. System and method for associating aerial images, map features, and information
US7296003B2 (en) 2001-08-17 2007-11-13 Globex Financial Services, Inc. Method and apparatus for facilitating manual payments for transactions conducted over a network
US20030041023A1 (en) * 2001-08-23 2003-02-27 Tim Goldstein Product-directed electronic commerce system
AT500904A2 (en) * 2001-10-15 2006-04-15 Kapsch Ag COMPUTER SYSTEM
CA2433826A1 (en) * 2003-06-25 2004-12-25 Ibm Canada Limited - Ibm Canada Limitee Supplier proxy store to virtulize an external business entity
US20060294023A1 (en) * 2005-06-25 2006-12-28 Lu Hongqian K System and method for secure online transactions using portable secure network devices
US10176477B2 (en) 2010-11-16 2019-01-08 Mastercard International Incorporated Methods and systems for universal payment account translation
US8849703B2 (en) * 2012-04-16 2014-09-30 Wal-Mart Stores, Inc. Processing online transactions
CN105447604B (en) 2014-08-04 2020-01-21 阿里巴巴集团控股有限公司 Account processing method and device
CN107622384A (en) * 2016-07-13 2018-01-23 天脉聚源（北京）科技有限公司 The method and system that a kind of internet red packet is withdrawn deposit

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
US5745886A (en) * 1995-06-07 1998-04-28 Citibank, N.A. Trusted agents for open distribution of electronic money
US5961593A (en) * 1997-01-22 1999-10-05 Lucent Technologies, Inc. System and method for providing anonymous personalized browsing by a proxy system in a network

Also Published As

Publication number Publication date
MXPA01004206A (en) 2002-06-04
WO2001016768A8 (en) 2001-07-12
AU7076000A (en) 2001-03-26
WO2001016768A1 (en) 2001-03-08

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Legal Events

Date Code Title Description
B11A Dismissal acc. art.33 of ipl - examination not requested within 36 months of filing
B11Y Definitive dismissal - extension of time limit for request of examination expired [chapter 11.1.1 patent gazette]