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1. WO2010049856 - A METHOD AND SYSTEM FOR MANAGING PAYMENT FOR A TRANSACTION BETWEEN A VENDOR AND A CUSTOMER OF THE VENDOR

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Publication Number WO/2010/049856
Publication Date 06.05.2010
International Application No. PCT/IB2009/054653
International Filing Date 21.10.2009
IPC
G06Q 20/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR 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
20Payment architectures, schemes or protocols
G06Q 30/00 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR 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
CPC
G06Q 20/02
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
20Payment architectures, schemes or protocols
02involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
G06Q 20/12
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
20Payment architectures, schemes or protocols
08Payment architectures
12specially adapted for electronic shopping systems
G06Q 20/20
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
20Payment architectures, schemes or protocols
08Payment architectures
20Point-of-sale [POS] network systems
G06Q 20/24
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
20Payment architectures, schemes or protocols
22Payment schemes or models
24Credit schemes, i.e. "pay after"
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
Applicants
  • FREIMUTH, Alastair [ZA]/[ZA]
Inventors
  • FREIMUTH, Alastair
Agents
  • PLA-PILLANS, Philip Antonio
Priority Data
2008/09325 30.10.2008ZA
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) A METHOD AND SYSTEM FOR MANAGING PAYMENT FOR A TRANSACTION BETWEEN A VENDOR AND A CUSTOMER OF THE VENDOR
(FR) PROCÉDÉ ET SYSTÈME DE GESTION DU PAIEMENT POUR UNE TRANSACTION ENTRE UN VENDEUR ET UN CLIENT DU VENDEUR
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Abstract
(EN)
A computer-aided method for managing payment for a transaction between a vendor of goods or services and a customer of the vendor by an escrow agent and a computer system 100 for aiding the implementation of the method. The computer-aided method includes the escrow agent: receiving payment from the customer; holding the payment received from the customer in escrow; issuing a unique release code corresponding to the payment for later presentation by the customer to the vendor, should the customer be satisfied with the goods or services provided by the vendor; and releasing the payment held in escrow corresponding to the unique release code, on presentation of the unique release code by the vendor to the escrow agent. The computer system 100 includes a database 102, a computer program 106 executable on a processor 107 and a user interface comprising web pages 108 and electronic mail messages 110.
(FR)
La présente invention concerne, d'une part un procédé assisté par ordinateur pour la gestion par un dépositaire du paiement lié à une transaction entre un vendeur de biens ou de services et un client du vendeur, et d'autre part un système informatique (100) conçu pour aider à la mise en œuvre du procédé. Selon le procédé aidé par ordinateur, le dépositaire reçoit le règlement du client, garde en dépôt le montant du règlement du client, émet un code libératoire unique correspondant au règlement, code libératoire que le client pourra ultérieurement présenter au vendeur s'il est satisfait des biens ou services fournis par le vendeur, et libère le montant gardé en dépôt correspondant au code libératoire unique, sur présentation au dépositaire du code libératoire unique par le vendeur. Le système informatique (100) comprend une base de données (102), un logiciel (106) exécutable sur un processeur (107) et une interface utilisateur comprenant des pages web (108) et des messages de courrier électronique (110).
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