System and method for deferred purchase of a product

• US 20030028435A1
• Filed: 09/27/2002
• Published: 02/06/2003
• Est. Priority Date: 06/28/2000
• Status: Abandoned Application

• Current Assignee: G. Holdings Ltd.
• Original Assignee: G. Holdings Ltd.
• Inventors: Gaillard, Joel
• Application Number:
  US10/256,495
• Publication Number:
  US 20030028435A1
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The method to obtain a product by means of a PTD comprises the following steps:

a) receiving on the PTD a transaction code associated to the product, the PTD saving the transaction code in memory; and

b) downloading from the PTD to an interface machine the transaction code, for obtaining the product.

Claims

1. Method to obtain a product by means of a PTD, comprising the following steps:

a) receiving on the PTD a transaction code associated to the product, the PTD saving the transaction code in memory; and

b) downloading from the PTD to an interface machine said transaction code, for obtaining the product.

2. A method according to claim 1, wherein the reception on the PTD of the transaction code in step (a) is carried out by downloading the transaction code on the PTD.

3. A method according to claim 1, wherein said transaction code is used as a temporary access code for the product, said PTD provided with this access code then acting as an access key.

4. Method for the deferred purchase of a product by means of a portable transaction device (PTD) that includes an electronic chip, comprising the following steps:

a) establishing the communication between said PTD and a first interface machine;

b) downloading on said PTD, from said first interface machine, a transaction code associated to said product, said PTD saving in memory said transaction code;

c) interrupting the communication between said first interface machine and said PTD;

d) establishing the communication between said PTD and a second interface machine;

e) downloading on said second interface machine, from said PTD, said transaction code associated to said product for obtaining said product.

7. A method according to claim 4, wherein said first interface machine and said point of sales interface machine are one and the same interface machine.

8. A method according to claim 4, wherein said first interface machine and said point of sales interface machine are located physically at different places.

5. A method for the deferred purchase of a product by a client owning a smart card, from a product provider having a terminal, comprising the following steps:

(a) the communication is established between the client'"'"'s smart card and a first interface machine;

(b) the client selects the product that he wishes to buy on said interface machine;

(c) data associated to the selected product is downloaded from the first interface machine, to the product provider'"'"'s terminal;

(d) the product provider reserves the product selected by the client;

(e) the product provider associates a transaction code to the reserved product;

(f) the product provider'"'"'s terminal downloads the transaction code to the first interface machine;

(g) the first interface machine downloads the transaction code to the smart card, which saves it in memory;

(h) the communication is interrupted between the smart card and the first interface machine;

(i) the communication is established between the smart card and a point of sales interface machine;

(j) the transaction code is downloaded from the smart card to the point of sales interface machine;

(k) the transaction code is downloaded from the point of sales interface machine to the product provider'"'"'s terminal;

(l) the product provider associates the reserved product to said transaction code;

(m) the product provider'"'"'s terminal downloads the data associated to said reserved product to said point of sales interface machine;

(n) the reserved product is remitted to the client from said point of sales;

(o) the communication is interrupted between said point of sales interface machine and said client'"'"'s smart card; and

(p) the client pays for the product by means of said smart card, either between steps (b) and (h) exclusively, or between steps (j) and (o) exclusively.

6. A method according to claim 5, further comprising the following step, between steps (a) and (b):

(a1) said interface machine downloads from said product provider terminal the list of available products.

9. A method according to claim 5, wherein said smart card is provided with pre-saved personal data associated to the client, said method further comprising the following steps, between steps (a) and (b):

(a1) said pre-saved personal data on said smart card is downloaded to said first interface machine;

(a2) said personal data is downloaded from said first interface machine to said product provider terminal; and

(a3) said product provider terminal provides to said interface machine a list of products according to the personal data of the client downloaded to said product provider terminal;

and wherein, in step (b), the client selects the product that he wishes to buy among said list of products provided by the product provider terminal.

10. System for the deferred purchase of a product by means of a PPITCD, comprising:

a) means for establishing the communication between said PPITCD and a first interface machine;

b) means for downloading on said PPITCD, from said first interface machine, a transaction code associated to said product, said PPITCD saving in memory said transaction code;

c) means for interrupting the communication between said first interface machine and said PPITCD;

d) means for establishing the communication between said PPITCD and a second interface machine;

e) means for downloading on said second interface machine, from said PPITCD, said transaction code associated to said product; and

f) means for delivering said product associated to said transaction code.

11. Method for temporary access to a product accessible through an access device, by means of a smart card, comprising the following steps:

a) reserving the product and choosing the temporary access conditions to the product by means of said smart card through a first interface machine;

b) downloading an access code associated to said reserved product and to said temporary access conditions on said smart card, that saves it in memory;

c) downloading said access code to the product from said smart card to a second interface machine capable of controlling said access device;

d) verifying by means of said second interface machine that said temporary access conditions associated to said access code are met, and in the affirmative controlling said access device for it to allow access to said product; and

e) paying for the temporary access to said product at any time after step (a) by means of said smart card.

12. A method for temporary access to a product provider'"'"'s product and accessible through an access device, by a client owning a smart card, comprising the following steps:

a) the communication is established between the client'"'"'s smart card and a first interface machine capable of communicating with a product provider'"'"'s terminal;

b) the client selects the desired product together with the conditions of temporary access to this product on the product provider'"'"'s terminal through said first interface machine;

c) the product is reserved on said product provider'"'"'s terminal;

d) the product provider'"'"'s terminal saves in memory an access code associated to said reserved product and said temporary access conditions associated to said reserved product;

e) the product provider'"'"'s terminal downloads said access code associated to said product on said smart card, that saves is in memory, through said first interface machine;

f) the communication between said smart card and said first interface machine is interrupted;

g) the communication is established between said smart card and a second interface machine associated to said reserved product, said second interface machine being capable of communicating with said product provider'"'"'s product terminal and being capable of controlling said access device;

h) said product access code is downloaded from said smart card to said product provider'"'"'s terminal, through said second interface machine;

i) said product provider verifies that said temporary access conditions associated to said access code are met, and in the affirmative he downloads to said second interface machine an access message;

j) upon receipt of said access message, said second interface machine controls said access device for it to allow access of the client to said product; and

k) the client pays for the temporary access to said product either between steps (b) and (f) exclusively, or after step (g), by means of said smart card.

13. Method according to claim 12, wherein said temporary access conditions to said product include an access limited in time.

14. Method according to claim 12, further comprising the following step between steps (b) and (c):

(b1) the list of available products of the product provider is downloaded from the product terminal to said first interface machine.

15. Method according to claim 14, wherein step (b1) further includes downloading restrictions to the temporary access conditions associated to said product from said product provider terminal to said first interface machine, and wherein the selection of said temporary access conditions in step (c) are accomplished by considering said restrictions to the temporary access conditions.

16. System for temporary access to a product accessible through an access device, by means of a smart card, comprising:

a) means for reserving the product and choosing the temporary access conditions to the product by means of said smart card through a first interface machine;

b) means for downloading an access code associated to said reserved product and to said temporary access conditions on said smart card, that saves it in memory;

c) means for downloading said access code to the product from said smart card to a second interface machine capable of controlling said access device;

d) means for verifying by means of said second interface machine that said temporary access conditions associated to said access code are met, and means for, in the affirmative, controlling said access device for it to allow access to said product; and

e) means for paying for the temporary access to said product at any time after step (a) by means of said smart card.