JP4705954B2 - リアルタイム販売時点(pos)アドレス変更処理 - Google Patents
リアルタイム販売時点(pos)アドレス変更処理 Download PDFInfo
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- JP4705954B2 JP4705954B2 JP2007510802A JP2007510802A JP4705954B2 JP 4705954 B2 JP4705954 B2 JP 4705954B2 JP 2007510802 A JP2007510802 A JP 2007510802A JP 2007510802 A JP2007510802 A JP 2007510802A JP 4705954 B2 JP4705954 B2 JP 4705954B2
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- 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
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- 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
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
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- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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- 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
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- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
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- G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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- G07F7/10—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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
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- Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
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Description
本発明は、米国特許のための下記の出願:
2003年8月22日に出願され、通番第10/645,949号を割り当てられている「System for Providing a Checkless Checking Account(小切手不要の当座預金を提供するためのシステム)」と、
2003年8月22日に出願され、通番第10/646,150号を割り当てられている「System and Method for Dynamically Managing a Financial Account(金融口座を動的に管理するためのシステムおよび方法)」とに関し、引例としてこれらを組み込んでいる。
本発明は、さまざまな業者のロケーションにおいて顧客に一式揃った金融サービスを提供するために利用することが可能である。これらの金融サービスの一般的な説明は、下記に示す。
電送資金振替を実行する金融サービスのために、顧客は端末100から適当な特徴を選択することによって振替を開始する。ストアードバリューカードのための資金供給オプションと同様に、顧客は電送資金振替のために同じオプションを利用できる。端末100は、顧客を促すことによって必要な情報を収集する。代替手段としては、サーバ150が端末100に特定の情報について催促することができる。いずれの場合にも、または両者の組合せを使用する場合にも、情報は収集されてサーバに転送される。そして、サーバは電送振替を起動する。
Claims (7)
- 顧客にサービスを提供するときに顧客情報をリアルタイムで更新するためのシステムであって、前記システムは、
サーバと、
業者の施設に配置されてネットワーク上でサーバにインターフェースし、データ源を受信するためのデータインターフェースを有する端末とを備えており、
前記端末は、
顧客から顧客識別情報を含むサービス選択を受信し、
前記サービス選択を前記サーバに提供し、
前記サーバは、前記サービス選択の受信に応答して、
前記顧客識別情報に基づいて顧客プロファイル情報を識別し、前記顧客プロファイル情報は、顧客の住所を含み、
前記顧客の住所が更新されるかどうかを決定し、
もし前記顧客の住所が更新されるのであれば、前記端末を介して前記顧客に指示を提供し、
前記端末は、更に前記データインターフェースで更新済みの顧客プロファイル情報を受信して前記更新済みの顧客プロファイル情報を前記サーバに提供するように動作可能であり、
前記サーバは、更に前記更新済みの顧客プロファイル情報の受信に応答して前記要求されたサービスを提供するように動作可能であり、
前記サーバは、
前記サービス選択が行われた前記端末の場所を識別し、
もし前記端末の住所が前記顧客プロファイル情報に含まれる住所の閾値半径の外側である場合に、前記顧客プロファイル情報は疑わしいと想定し、
もし前記顧客プロファイル情報が疑わしい場合には、前記顧客プロファイル情報は更新されるべきであると決定する
ことによって、前記顧客プロファイル情報を更新するべきであるかどうかを決定することをヒューリスティックに適用するように動作可能であるシステム。 - 前記端末は、スキャナを含んでおり、記入された書式を読み込むことによって更新済みの顧客プロファイル情報を受信するように動作可能である請求項1に記載のシステム。
- 前記端末は、表示装置と入力装置とを含んでおり、前記表示装置上に電子書式を提供し、前記入力装置を介して入力データを受信することによって、更新済みの顧客プロファイル情報を受信するように動作可能である請求項1に記載のシステム。
- 前記端末は、スピーカとマイクロフォンとを含んでおり、前記スピーカを介して前記顧客に対して聞き取り可能な催促を提供し、前記マイクロフォンを介して聞き取り可能な応答を受信することによって、更新済みの顧客プロファイル情報を受信するように動作可能である請求項1に記載のシステム。
- 前記端末は、スピーカと入力装置とを含んでおり、前記スピーカを介して前記顧客に対して聞き取り可能な催促を提供し、前記入力装置を介して応答を受信することによって、更新済みの顧客プロファイル情報を受信するように動作可能である請求項1に記載のシステム。
- 前記スピーカと前記入力装置は、電話機タイプのインターフェース内に一体化される請求項5に記載のシステム。
- 顧客にサービスを提供するときに顧客情報をリアルタイムで更新するためのシステムであって、前記システムは、
サーバと、
業者の施設に配置されてネットワーク上でサーバにインターフェースし、データ源を受信するためのデータインターフェースを有する端末とを備えており、
前記端末は、
顧客から顧客識別情報を含むサービス選択を受信し、
前記サービス選択を前記サーバに提供し、
前記サーバは、前記サービス選択の受信に応答して、
前記顧客識別情報に基づいて顧客プロファイル情報を識別し、前記顧客プロファイル情報は、顧客の住所を含み、
前記顧客の住所が更新されるかどうかを決定し、
もし前記顧客の住所が更新されるのであれば、前記端末を介して前記顧客に指示を提供し、
前記端末は、更に前記データインターフェースで更新済みの顧客プロファイル情報を受信して前記更新済みの顧客プロファイル情報を前記サーバに提供するように動作可能であり、
前記サーバは、更に前記更新済みの顧客プロファイル情報の受信に応答して前記要求されたサービスを提供するように動作可能であり、
前記サーバは、
前記サービス選択が行われた前記端末の場所を識別し、
もし前記端末の住所が前記顧客プロファイル情報に含まれる住所の閾値半径の外側である場合に、前記顧客プロファイル情報は疑わしいと想定し、
もし前記顧客プロファイル情報が疑わしい場合には、前記端末を介して前記顧客に前記顧客プロファイル情報の少なくとも一部を提供し、
前記情報が誤りであるかどうか、したがって更新されるべきであるかどうかを示すように前記顧客に要求する
ことによって、前記顧客プロファイル情報が更新されるべきであるかどうかを決定することをヒューリスティックに適用するように動作可能であるシステム。
Applications Claiming Priority (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US10/837,164 | 2004-04-30 | ||
US10/837,164 US7469224B2 (en) | 2003-10-14 | 2004-04-30 | Real-time point-of-sale change-of-address processing |
PCT/US2005/013529 WO2005111890A2 (en) | 2004-04-30 | 2005-04-20 | Real-time point-of-sale change-of-address processing |
Publications (2)
Publication Number | Publication Date |
---|---|
JP2008501165A JP2008501165A (ja) | 2008-01-17 |
JP4705954B2 true JP4705954B2 (ja) | 2011-06-22 |
Family
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Application Number | Title | Priority Date | Filing Date |
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JP2007510802A Expired - Fee Related JP4705954B2 (ja) | 2004-04-30 | 2005-04-20 | リアルタイム販売時点(pos)アドレス変更処理 |
Country Status (6)
Country | Link |
---|---|
US (1) | US7469224B2 (ja) |
EP (1) | EP1769432A4 (ja) |
JP (1) | JP4705954B2 (ja) |
CN (1) | CN101194285B (ja) |
CA (1) | CA2559384A1 (ja) |
WO (1) | WO2005111890A2 (ja) |
Families Citing this family (12)
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US8682757B2 (en) * | 2004-08-25 | 2014-03-25 | American Express Travel Related Services Company, Inc. | Method and apparatus for processing financial transactions subject to different financing terms |
US8152054B2 (en) | 2004-10-19 | 2012-04-10 | The Western Union Company | Money transfer systems and methods |
US8672220B2 (en) | 2005-09-30 | 2014-03-18 | The Western Union Company | Money transfer system and method |
JP4932324B2 (ja) * | 2006-05-18 | 2012-05-16 | 株式会社リコー | 動作要求受付装置、プログラム、記録媒体、動作要求受付装置の制御方法、通信システム及び通信システムの運用方法 |
US7904389B2 (en) * | 2007-05-30 | 2011-03-08 | Visa U.S.A. Inc. | Real time account update |
US7844521B1 (en) * | 2007-10-05 | 2010-11-30 | Intuit Inc. | Method and system for providing sellers access to business managing consumers |
US20090157470A1 (en) * | 2007-12-13 | 2009-06-18 | Pitney Bowes Inc. | Methods for facilitating contact information changes |
US8706622B2 (en) * | 2008-08-05 | 2014-04-22 | Visa U.S.A. Inc. | Account holder demand account update |
US20130166380A1 (en) * | 2011-12-23 | 2013-06-27 | Verizon Patent And Licensing Inc. | Use of service address identifier for anonymous user interactions |
US9947007B2 (en) | 2013-01-27 | 2018-04-17 | Barry Greenbaum | Payment information technologies |
CN107025531B (zh) * | 2016-01-29 | 2021-06-29 | 菜鸟智能物流控股有限公司 | 地址修改信息处理方法及装置 |
JP6927757B2 (ja) * | 2017-06-08 | 2021-09-01 | 東芝テック株式会社 | 電子レシートサーバ及びそのプログラムと、電子レシートシステム |
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JP2001256401A (ja) * | 2000-03-14 | 2001-09-21 | Fuji Xerox Co Ltd | プロファイル情報サーバ装置、プロファイル情報送信方法及び記録媒体 |
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JP2002288025A (ja) * | 2001-03-26 | 2002-10-04 | Hitachi Information Technology Co Ltd | 個人情報登録・閲覧システム |
JP2003288520A (ja) * | 2002-03-27 | 2003-10-10 | Sun Corp | 会員登録方法及び会員登録装置 |
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- 2005-04-20 CA CA002559384A patent/CA2559384A1/en not_active Abandoned
- 2005-04-20 CN CN200580013513.5A patent/CN101194285B/zh not_active Expired - Fee Related
- 2005-04-20 EP EP05737688A patent/EP1769432A4/en not_active Withdrawn
- 2005-04-20 JP JP2007510802A patent/JP4705954B2/ja not_active Expired - Fee Related
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Also Published As
Publication number | Publication date |
---|---|
CN101194285B (zh) | 2016-03-30 |
CN101194285A (zh) | 2008-06-04 |
US7469224B2 (en) | 2008-12-23 |
EP1769432A4 (en) | 2009-11-11 |
CA2559384A1 (en) | 2005-11-24 |
EP1769432A2 (en) | 2007-04-04 |
JP2008501165A (ja) | 2008-01-17 |
WO2005111890A3 (en) | 2007-11-08 |
WO2005111890A2 (en) | 2005-11-24 |
US20050080724A1 (en) | 2005-04-14 |
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