WO2001037171A1 - Interface for conversion of electronic currency to accepted method of payments to merchants/entities - Google Patents

Interface for conversion of electronic currency to accepted method of payments to merchants/entities Download PDF

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Publication number
WO2001037171A1
WO2001037171A1 PCT/US2000/031235 US0031235W WO0137171A1 WO 2001037171 A1 WO2001037171 A1 WO 2001037171A1 US 0031235 W US0031235 W US 0031235W WO 0137171 A1 WO0137171 A1 WO 0137171A1
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WO
WIPO (PCT)
Prior art keywords
merchant
interface
customer
internet
electronic
Prior art date
Application number
PCT/US2000/031235
Other languages
French (fr)
Inventor
Debbs Phillips Eugene, Iii
Original Assignee
Debbs Phillips Eugene, Iii
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 Debbs Phillips Eugene, Iii filed Critical Debbs Phillips Eugene, Iii
Priority to AU16064/01A priority Critical patent/AU1606401A/en
Publication of WO2001037171A1 publication Critical patent/WO2001037171A1/en

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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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"

Definitions

  • the request for a patent is for the system/process/method of performing as an interface for holders of electronic currency (otherwise known as electronic money) and pre-paid cards, account numbers or electronic wallets so as to enable the holder to purchase any goods or services offered by merchants or entities on the Internet.
  • An interface web site allows holders of the electronic currencies to shop through the interface shopping portal web site at any merchant on the Internet and then the interface site accepts the customer's electronic currency or pre-paid card and pays the merchant in the form that he requires. Most often this method will be in the form of the corporate credit card payment belonging to the interface site, but is not limited to this method.
  • This interface is designed to make electronic currencies spendable at any merchant through the use of the interface which pays the merchant in the form he requires and thus makes electronic currencies and pre-paid cards spendable at every merchant that ordinarily would not accept the electronic currency or pre-paid card directly as payment.
  • This interface invention is also claimed for real, hard-currency accounts held by a bank or financial services company.
  • a bank or financial institution would have an Internet interface web site would allow customers who hold an account to shop any merchant on the Internet and have their account debited and the interface would pay the merchant in the form he requires, i.e. a bank owned credit card. This is convenient for bank account holders who do not have a credit card to shop on the net or due to security concerns do not want to use their credit card for Internet purchases.
  • the interface may be used for remittances via SWIFT or Western Union where the interface site accepts the electronic currency and pays the financial intermediary in the form required by the intermediary.
  • the invention is generally directed to electronic money/Internet/POS/ATM payment systems, and specifically relates to a procedure and method whereby customers can purchase goods and services on the Internet/POS/ATM or other similar mechanism with an electronic currency or a pre-paid card or number by using a web site portal interface, or POS/ ATM or other mechanism, to accept the electronic currency as payment that will make payment to the merchant in a payment form that the merchant accepts. In most cases the payment will be made by corporate credit card of the interface company, but is not limited to this method of payment.
  • the electronic currency interface allows for holders to spend their electronic currency anywhere on the Internet/POS/ATM that normally only accepts payments in forms other than electronic currency, such as credit cards.
  • the invention will also allow persons to purchase goods or services on the Internet/POS/ATM or other mechanism without having to reveal their identity, personal financial information or shipping/delivery information.
  • the customer would go to the URL address of the web site portal electronic interface and then the customer chooses a destination merchant for where the customer will shop from either activating an icon on the web site or typing in the URL in a space provided on the web page. This will open the merchant's site where the customer can shop. The merchant's site may be opened inside a window of the interface site.
  • the customer will shop as normally as if he had gone to the merchant's site directly. When the customer clicks on "checkout" on either the merchant's site or on a pop up window that is displayed or on the interface window. When this is done the customer will be requested to type in his pre-paid card number or account number into a specified space. Then there will be an authorization process that will confirm whether or not the customer has the funds available for the purchase. If the customer does have funds available then the payment interface makes the payment to the merchant in the form that he requires. Most often this form with be in the form of a corporate credit card from the interface site. The interface site inserts the credit card number onto the merchant's template and the sale is concluded as normal for the merchant since he is still receiving payment via a credit card. The customer still types in his name and shipping address on the merchant's template. The sale is concluded and the customer is notified of the conclusion of the sale.
  • the invention is in the field of electronic money/Internet payment systems.
  • the electronic currencies and current patents provide for the form, structure, methods of issuance, recording and accounting.
  • the electronic currency interface solves this problem by acting as an interface to accept the electronic currency and convert it into a form that is accepted by the merchant.
  • Another solution provided by the electronic currency interface relates to shoppers that are able to purchase goods and services on the Internet, however at present over 60% cite an aversion to providing their credit card information to a shop on the Internet.
  • this invention proposes to fill by providing the structure that allows customers not to release payment information along with the need of a method for individuals to be able to spend their electronic currency since it is not widely accepted or in use by merchants.
  • the electronic currency interface provides the solution by providing anonymity.
  • Web site portal interface retrieves from the merchant the cost of the item that the customer wishes to purchase.
  • Web site portal interface initiates a formula, any formula desired by the web site portal that may include but not limited to a formula for the vonversion of the value of the elctronic currency to that currency requested as payment from the vendor, a percentage added to the total or for a percentage rebated to the customer or provided as a rewards program to the customer, to determine the total cost of the goods the customer wishes to purchase from the merchant with the web site portal as the intermediary for the electronic currency.
  • Web site portal interface (or POS/ ATM) provides the total cost of the merchant's item to the customer using the web site portal as an intermediary.
  • Web site portal interface (or POS/ ATM) provides the customer with a choice of whether to proceed with purchasing the item or not.
  • Web site portal interface (or POS/ ATM) provides a choice for the customer for either submitting his own shipping/delivery information to the merchant or for the web site portal interface to provide its shipping/delivery information to the merchant and to forward the goods or services to the customer once they have been received at its shipping/delivery site from the merchant.
  • Web site portal interface (or POS/ ATM) provides a form for the customer to fill in his shipping/delivery information.
  • Web site portal interface requests authorization for the customer's method of payment from the record holding transaction processing center. 10. Authorization for the customer's method of payment is received by the web site portal interface(or POS/ATM). 11.Web site portal interface (or POS/ATM) submits its method of payment to the merchant. 12. Authorization for the web site portal interface's (or POS/ATM) method of payment is requested by the merchant from the responsible transaction processing center. 13. Merchant receives authorization for method of payment information from the web site portal interface(or POS/ATM). 14.Merchant transmits to web site portal interface (or POS/ATM) that its method of payment has been approved and that the transaction is completed. 15. Web site portal interface (or POS/ATM) transmits to customer that the payment has been made to the merchant and the transaction is completed.

Abstract

An interface shopping portal interface (2) which allows customers (3) with electronic currency, account number or electronic wallet to go to the interface site and through the site shop at any merchant (1) on the Internet and accept the electronic currency or pre-paid Internet card as payment and pay the merchant (1) in the required form.

Description

Application for Patent
Interface for conversion of electronic currency to accepted method of payments to merchants/entites.
Brief Summary of Invention:
The request for a patent is for the system/process/method of performing as an interface for holders of electronic currency (otherwise known as electronic money) and pre-paid cards, account numbers or electronic wallets so as to enable the holder to purchase any goods or services offered by merchants or entities on the Internet. An interface web site allows holders of the electronic currencies to shop through the interface shopping portal web site at any merchant on the Internet and then the interface site accepts the customer's electronic currency or pre-paid card and pays the merchant in the form that he requires. Most often this method will be in the form of the corporate credit card payment belonging to the interface site, but is not limited to this method. Currently there are electronic currencies and pre-paid Internet cards that have been developed, but there is extremely limited acceptance of these by merchants. This interface is designed to make electronic currencies spendable at any merchant through the use of the interface which pays the merchant in the form he requires and thus makes electronic currencies and pre-paid cards spendable at every merchant that ordinarily would not accept the electronic currency or pre-paid card directly as payment.
This interface invention is also claimed for real, hard-currency accounts held by a bank or financial services company. A bank or financial institution would have an Internet interface web site would allow customers who hold an account to shop any merchant on the Internet and have their account debited and the interface would pay the merchant in the form he requires, i.e. a bank owned credit card. This is convenient for bank account holders who do not have a credit card to shop on the net or due to security concerns do not want to use their credit card for Internet purchases.
This function of an interface as described above is also claimed to work with ATM and POS systems as well where the POS or ATM would accept the electronic currency and pay the merchant in the form required.
The interface may be used for remittances via SWIFT or Western Union where the interface site accepts the electronic currency and pays the financial intermediary in the form required by the intermediary. References Cited (Referenced By): U.S. Patent Documents PAT. NO. Title
1 5,963.648 Electronic-monetary system
2 5,953,423 Electronic-monetary system
3 5,949,876 Systems and methods for secure transaction management and electronic rights protection
4 5.945.652 Electronic wallet and method for operating the same
5 5.943.423 Smart token system for secure electronic transactions and identification
6 5.943.422 Steganographic techniques for securely delivering electronic digital rights management control information over insecure communication channels
7 5.937.396 System for ATM/ ATM transfers
8 5.920.861 Techniques for defining using and manipulating rights management data structures
9 5.920.629 Electronic-monetary system
10 5.917.912 System and methods for secure transaction management and electronic rights protection
11 5.915.019 Systems and methods for secure transaction management and electronic rights protection
12 5.913.203 System and method for pseudo cash transactions
13 5,910,987 Systems and methods for secure transaction management and electronic rights protection
14 5,898,154 System and method for updating security information in a time-based electronic monetary* system
15 5,895.903 Terminal for portable IC card
16 5.892,900 Systems and methods for secure transaction management and electronic rights protection
17 5,875,437 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing
18 5,857,156 Personal intercommunication purchase and fulfillment system
19 5,850.442 Secure world wide electronic commerce over an open network
20 5,832.089 Off-line compatible electronic cash method and system
21 5.802.497 Method and apparatus for conducting computerized commerce
22 5.799,087 Electronic-monetary system
23 5,724,524 Method and system for listing, brokering, and exchanging carrier capacity
24 5.724.424 Digital active advertising
25 5.715.314 Network sales system Detailed Description of Invention:
The invention is generally directed to electronic money/Internet/POS/ATM payment systems, and specifically relates to a procedure and method whereby customers can purchase goods and services on the Internet/POS/ATM or other similar mechanism with an electronic currency or a pre-paid card or number by using a web site portal interface, or POS/ ATM or other mechanism, to accept the electronic currency as payment that will make payment to the merchant in a payment form that the merchant accepts. In most cases the payment will be made by corporate credit card of the interface company, but is not limited to this method of payment. The electronic currency interface allows for holders to spend their electronic currency anywhere on the Internet/POS/ATM that normally only accepts payments in forms other than electronic currency, such as credit cards. The invention will also allow persons to purchase goods or services on the Internet/POS/ATM or other mechanism without having to reveal their identity, personal financial information or shipping/delivery information.
In a first, separate aspect of the invention (for the Internet), the customer would go to the URL address of the web site portal electronic interface and then the customer chooses a destination merchant for where the customer will shop from either activating an icon on the web site or typing in the URL in a space provided on the web page. This will open the merchant's site where the customer can shop. The merchant's site may be opened inside a window of the interface site.
The customer will shop as normally as if he had gone to the merchant's site directly. When the customer clicks on "checkout" on either the merchant's site or on a pop up window that is displayed or on the interface window. When this is done the customer will be requested to type in his pre-paid card number or account number into a specified space. Then there will be an authorization process that will confirm whether or not the customer has the funds available for the purchase. If the customer does have funds available then the payment interface makes the payment to the merchant in the form that he requires. Most often this form with be in the form of a corporate credit card from the interface site. The interface site inserts the credit card number onto the merchant's template and the sale is concluded as normal for the merchant since he is still receiving payment via a credit card. The customer still types in his name and shipping address on the merchant's template. The sale is concluded and the customer is notified of the conclusion of the sale.
If the interface is being used by hard currency accounts at a bank or financial institution, there would still be an interface on the Internet/POS/ATM that would accept payment from debiting the customer's account and make payment on his behalf to the merchant in the form of a credit card or other payment method belonging to the finanicial institution. The same system as the above discription would still take place.
Thus, we have achieved making any pre-paid card or electronic currency accepted at any merchant on the Internet that accepts payment via credit cards and allows the huge market of those without credit cards or those who have them but do not want to use them on the Internet the ability to purchase items on the Internet without a credit card and offers pre-paid cards or electronic currency universal acceptance on the net where the merchants do not have to sign any agreements or install any software to accept payment from those with pre-paid cards or electronic currencies.
Field of the Invention:
The invention is in the field of electronic money/Internet payment systems.
Background of the Invention:
In part due to the advent of the Internet, electronic currencies and their purchasing, dispensing, recording and accounting have been developed. Examples of developed electronic currencies are "Cybercash" and "Digicash" or "ecash". Pre-paid Internet cards have been developed, however they have very limited acceptance from Internet merchants who have to sign agreements and install software in order to accept payment from these new payment methods.
So far, merchants have shown little interest in accepting payment via pre-paid cards since their acceptance is so small. With our interface, we are able to give pre-paid cards and electronic currencies universal spendability on the Internet just as large of spendability as Visa/MasterCard and other major credit cards.
The Internet is now huge and will only continue to grow. E-commerce is growing at more than 60% per year and will continue to expand rapidly. Most merchants on the Internet only accept credit cards as payment for goods and services.
The electronic currencies and current patents provide for the form, structure, methods of issuance, recording and accounting. However, there is a difficulty that most suppliers of goods and services do not accept electronic currency. The electronic currency interface solves this problem by acting as an interface to accept the electronic currency and convert it into a form that is accepted by the merchant.
Another solution provided by the electronic currency interface relates to shoppers that are able to purchase goods and services on the Internet, however at present over 60% cite an aversion to providing their credit card information to a shop on the Internet. Thus, there is a market need that this invention proposes to fill by providing the structure that allows customers not to release payment information along with the need of a method for individuals to be able to spend their electronic currency since it is not widely accepted or in use by merchants. For shoppers wanting anonymity and therefore do not want to provide either credit card information or shipping/delivery address, the electronic currency interface provides the solution by providing anonymity.
For electronic currency to gain acceptance, there must be such an interface or otherwise the majority of merchants/entities must begin to accept electronic currency directly as payment. Brief Description of Drawings:
Drawing 1:
1. Web site portal interface (or POS/ ATM) retrieves from the merchant the cost of the item that the customer wishes to purchase.
2. Web site portal interface (or POS/ ATM) initiates a formula, any formula desired by the web site portal that may include but not limited to a formula for the vonversion of the value of the elctronic currency to that currency requested as payment from the vendor, a percentage added to the total or for a percentage rebated to the customer or provided as a rewards program to the customer, to determine the total cost of the goods the customer wishes to purchase from the merchant with the web site portal as the intermediary for the electronic currency.
3. Web site portal interface (or POS/ ATM) provides the total cost of the merchant's item to the customer using the web site portal as an intermediary.
4. Web site portal interface (or POS/ ATM) provides the customer with a choice of whether to proceed with purchasing the item or not.
5. Customer informs web site portal interface (or POS/ ATM) that he does want to proceed with the purchase.
6. Web site portal interface (or POS/ ATM) provides a choice for the customer for either submitting his own shipping/delivery information to the merchant or for the web site portal interface to provide its shipping/delivery information to the merchant and to forward the goods or services to the customer once they have been received at its shipping/delivery site from the merchant.
7. Web site portal interface (or POS/ ATM) provides a form for the customer to fill in his shipping/delivery information.
8. Customer submits shipping/delivery information to the web site portal interface.
9. Web site portal interface (or POS/ATM) requests authorization for the customer's method of payment from the record holding transaction processing center. 10. Authorization for the customer's method of payment is received by the web site portal interface(or POS/ATM). 11.Web site portal interface (or POS/ATM) submits its method of payment to the merchant. 12. Authorization for the web site portal interface's (or POS/ATM) method of payment is requested by the merchant from the responsible transaction processing center. 13. Merchant receives authorization for method of payment information from the web site portal interface(or POS/ATM). 14.Merchant transmits to web site portal interface (or POS/ATM) that its method of payment has been approved and that the transaction is completed. 15. Web site portal interface (or POS/ATM) transmits to customer that the payment has been made to the merchant and the transaction is completed.

Claims

Claims:What I claim as my invention is:
1. An Internet shopping portal interface that allows customers with electronic currency, account number or electronic wallet to go to the interface site and through the site shop any merchant on the Internet and accept the electronic currency or pre-paid Internet card as payment and pay the merchant in the form he requires, i.e. a credit card or other merchant accepted mode of payment and thus allowing the electronic currency or pre-paid card to be spendable at any merchant on the Internet. Comprising individually, part, whole of the following:
■ Customers will visit the shopping portal interface and would either click on an icon for one of the affiliate merchants or type the URL address of any merchant on the Internet into a space provided on the web page.
■ The merchant's window opens inside the window of the interface web site.
- The customer would shop as normal as if they had gone to the merchant's site directly.
■ When the customer is ready to pay, he would click on the checkout icon of the merchant or interface site.
■ When the customer clicks on the "checkout" icon, it begins a special program through proxy at the interface web site.
The merchant's checkout template would be displayed as normal and the customer would fill in the required information or otherwise the interface web site would substitue a template.
Through the proxy, a window pops up and instructs the customer to type in his electronic currency pre-paid card number, account number or electronic wallet in the Visa, MasterCard or American Express space or to any other specified space.
Again through proxy, a special program runs that takes the pre-paid card number and checks with the pre-paid card, account number or electronic wallet corresponding server to confirm that the customer has enough money on his account for the purchase.
- Once the verification is complete, the proxy program will place a corporate- owned Visa, MasterCard or American Express card number into the space on the merchant's template, or any other space specified, and send the template to the merchant for verification and completion of sale. The customer does not see the corporate card number or another payment method that is sent to the merchant.
The customer is informed that the sale is complete.
2. An Internet shopping portal interface that allows account holders with a bank or financial services company to shop on the Internet. The interface would accept payment from an account by debiting the account and paying the merchant in the form he requires, i.e. a corporate or bank-owned credit card or other merchant accepted mode of payment.
Same process as Claim 1.
3. A POS or ATM system that allows customers with electronic currency, account number or electronic wallet to purchase goods or services. The POS or ATM interface would accept the electronic currency and pay the merchant in the form he requires, i.e. a credit card or other merchant accepted mode of payment.
Same process as Claim 1.
4. An Internet POS or ATM system that allows customers with electronic currency, account number or electronic wallet to remit money via a financial intermediary such as SWIFT or Western Union by accepting the electronic currency and paying the financial intermediary in the form required. Consisting in part or whole of the following:
■ Customers will visit the interface and would either click on an icon for the chosen method of remittance, i.e. SWIFT or Western Union.
- A template opens on the interface web site for the customer to fill in the remittance information.
■ When the customer is finished he submits the information including his pre-paid card number, account number or electronic wallet number to the interface site.
■ The interface site checks the customer's account balance and if approved then submits the template to the financial intermediary in the form he requires and pays the financial intermediary in the form he requires.
• The customer is informed that the remittance process is complete and informs the customer when the funds will be available.
PCT/US2000/031235 1999-11-18 2000-11-14 Interface for conversion of electronic currency to accepted method of payments to merchants/entities WO2001037171A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU16064/01A AU1606401A (en) 1999-11-18 2000-11-14 Interface for conversion of electronic currency to accepted method of payments to merchants/entities

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US44313099A 1999-11-18 1999-11-18
US09/443,130 1999-11-18

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Cited By (23)

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GB2361076A (en) * 2000-03-23 2001-10-10 Whittaker Overseas Ltd Electronic commerce using a further Internet site
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WO2001097104A1 (en) * 2000-06-16 2001-12-20 Swwap Oy A method and system for billing for services delivered via a data network
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