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    • 4. 发明申请
    • CASHLESS PAYMENT SYSTEM
    • 无偿支付系统
    • WO2005008446A3
    • 2006-08-17
    • PCT/US2004023103
    • 2004-07-16
    • ECOMMLINKCHEN GRACE
    • CHEN GRACE
    • G06Q40/00G06Q20/00G06Q30/00G07F7/08
    • G07F7/0866G06Q20/04G06Q20/10G06Q20/108G06Q20/18G06Q20/20G06Q20/204G06Q20/363G06Q20/4014G06Q20/403G06Q30/06
    • A payment system that does not rely on credit or debit cards, does not require the merchant and purchaser to have compatible memberships to complete a transaction, and does not limit single transactions to a single account provides a wide range of flexibility permitting debit, credit, pre-paid and payroll cards to be accommodated in a seamless and invisible manner to the electronic transaction network. The transaction may be verified and approved at the point-of-sale whether or not the merchant is a member of a specific financial transaction system. Specifically, the point-of-sale transaction system permits an identified customer to use any of a variety of payment options to complete the transaction without requiring the merchant to pre-approve the type of payment selected by the customer. In one configuration, and in order to take advantage of the widespread use of the ATM/POS network, the invention uses a typical credit/debit card format to provide the identifying information in a stored value card. When a transaction is to be completed, the user enters the identifying information carried on the card at the point-of-sale. The system supports numerous types of identification methods from typical credit card structures with magnetic data strips to various biometric systems such as finger prints, facial recognition and the like. Specifically, once the user is identified, the transaction is managed by his membership data on record with the transaction processing system.
    • 不依赖信用卡或借记卡的付款系统不要求商家和购买者拥有相关的会员资格来完成交易,并且不将单一交易限制在一个帐户中,提供了广泛的灵活性,允许借记卡,信用卡, 预付费和工资卡可以无缝和隐形的方式接纳到电子交易网络。 该交易可以在销售点进行验证和批准,无论商家是否是特定金融交易系统的成员。 特别地,销售点交易系统允许识别的客户使用各种支付选项中的任一种来完成交易,而不要求商家预先批准客户选择的支付类型。 在一种配置中,为了利用ATM / POS网络的广泛使用,本发明使用典型的信用卡/借记卡格式在存储卡中提供识别信息。 当交易完成时,用户在销售点输入卡上携带的识别信息。 该系统支持从具有磁数据带的典型信用卡结构到各种生物特征系统(例如手指印刷,面部识别等)的多种识别方法。 具体来说,一旦用户被识别,交易由他的交易处理系统记录的成员数据管理。