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1. WO2006047144 - SYSTEM AND METHOD FOR FACILITATING ONLINE TRANSACTIONS

Publication Number WO/2006/047144
Publication Date 04.05.2006
International Application No. PCT/US2005/037431
International Filing Date 19.10.2005
Chapter 2 Demand Filed 04.10.2006
IPC
G06F 17/30 2006.1
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
17Digital computing or data processing equipment or methods, specially adapted for specific functions
30Information retrieval; Database structures therefor
CPC
G06Q 30/00
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
G06Q 30/06
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
G06Q 30/0641
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
30Commerce, e.g. shopping or e-commerce
06Buying, selling or leasing transactions
0601Electronic shopping
0641Shopping interfaces
G06Q 40/02
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
40Finance; Insurance; Tax strategies; Processing of corporate or income taxes
02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
Applicants
  • COGITO, LLC [US]/[US] (AllExceptUS)
  • STOKES, Patricia, L. [US]/[US] (UsOnly)
  • LEVINE, Arthur, P. [US]/[US] (UsOnly)
Inventors
  • STOKES, Patricia, L.
  • LEVINE, Arthur, P.
Priority Data
10/970,25021.10.2004US
Publication Language English (en)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEM AND METHOD FOR FACILITATING ONLINE TRANSACTIONS
(FR) SYSTEME ET PROCEDE FACILITANT LES TRANSACTIONS EN LIGNE
Abstract
(EN) A system (100) or method for facilitating online transactions is disclosed. Data redundancy and time consuming input activity can be reduced by maintaining merchant profiles (142) and purchaser profiles (128) that can be accessed in a multitude of transactions involving different parties across a variety of different jurisdictions. A data-centric approach can be used to store information instead of a transaction-centric approach. Sub-­transaction processing units can be segmented and audited, as desired. The system (100) can be configured to automatically influence transaction processing based on the nature of the products, purchaser profiles (128), merchant profiles (142), various rules associated with the jurisdiction(s) relevant to the transaction, and other information relating to the transaction. Different data objects (128) can be used to segment information in a multiple-step-process.
(FR) L'invention concerne un système ou un procédé permettant de faciliter les transactions en ligne. Ce système et ce procédé permettent de réduire les redondances de données et les activités de saisies demandant beaucoup de temps, par la tenue à jour de profils de marchands et de profils d'acheteurs accessibles pour une multitude de transactions, faisant intervenir plusieurs parties relevant de juridictions différentes. Ce système permet de mémoriser les informations selon une approche centrée sur les données plutôt que selon une approche centrée sur les transactions. Ce système et ce procédé permettent en outre de segmenter et de contrôler librement les sous-unités de traitement des transactions. Le système décrit peut être configuré pour influer automatiquement sur le traitement d'une transaction en fonction de la nature des produits, des profils d'acheteurs, des profils de marchands, de diverses règles liées à la juridiction ou aux juridictions dont relève la transaction, ainsi que d'autres informations se rapportant à la transaction. Différents objets de données peuvent être utilisés pour segmenter les informations au cours d'un processus en plusieurs étapes.
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