Web-based automated code delivery

• US 20060136314A1
• Filed: 08/18/2005
• Published: 06/22/2006
• Est. Priority Date: 08/31/2004
• Status: Abandoned Application

• Current Assignee: Payment Protection Systems, Inc. (Sekurus, Inc.)
• Original Assignee: Payment Protection Systems, Inc. (Sekurus, Inc.)
• Inventors: Simon, Michael P.
• Application Number:
  US11/205,999
• Publication Number:
  US 20060136314A1
• Time in Patent Office: Days
• US Class Current: 705/35
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G07F 17/0042 for hiring of objects

Abstract

A method for preventing disablement of a device includes assigning a contract identification code, receiving a loan payment, forwarding the loan payment from a payment center to a finance company having an interest in the device, a code delivery computer determining whether the finance company has received the payment, the code delivery computer determining a previous code released for the device, releasing a new code subsequent to the previous code released for the device if the code delivery computer determines that the finance company has received the payment, the code delivery computer receiving the associated contract identification code from a user via telephony or an internet link, the code delivery computer providing the new code directly to the user via telephony, an internet link, or an email, and the device receiving the code from the user, thereby preventing disablement of the device.

Claims

1. A method for obtaining a code and preventing disablement of a device comprising the steps of:

assigning a contract identification code associated with a loan contract;

a payment center receiving a loan payment;

forwarding the payment from the payment center to a finance company, wherein the finance company has an interest in the device;

a code delivery computer determining whether the finance company has received the payment;

the code delivery computer determining a previous code released for the device;

releasing a new code subsequent to the previous code released for the device if the code delivery computer determines that the finance company has received the payment;

the code delivery computer receiving the associated contract identification code from a user via telephony, an internet link, or an email;

the code delivery computer providing the new code directly to the user via telephony, an internet link, or an email;

the device receiving the code from the user, thereby preventing disablement of the device.

2. The method of claim 1, wherein the code delivery computer receives the associated contract identification code directly from the user.

3. The method of claim 1, wherein telephony is used to provide the associated contract identification code to the code delivery computer and to provide the new code directly to the user.

4. The method of claim 1, wherein the code delivery computer provides the new code directly to the user after receiving the associated contract identification code from the user.

5. The method of claim 1, wherein the internet link used to provide the associated contract identification code to the code delivery computer, and the internet link used to provide the new code directly to the user, are the same.

6. The method of claim 1, wherein the internet link includes a web page accessible via a web browser.

7. The method of claim 1, wherein the contract identification code is received and access to the released code is provided at the code delivery computer, via an internet interface.

8. The method of claim 1, wherein the contract identification code is received and access to the released code is provided at the code delivery computer, via a telephony interface.

9. The method of claim 1, wherein the device includes red, yellow and green lights which illuminate to indicate when a payment is due.

10. A system for providing a code and preventing disablement of a device comprising:

a device which receives codes to prevent disablement of the device;

a finance company, wherein the finance company has a security interest in the device and contracts for regular payments for the device;

a payment center for receiving payments for the device and for forwarding the payments to the finance company;

a code delivery computer which receives an indication from the finance company of whether a payment has been made and based on the indication provides codes directly to a user.

11. The system of claim 10, wherein the code delivery computer provides the codes to the user via an internet link.

12. The system of claim 10, wherein the code delivery computer provides the codes to the user via telephony.

13. The system of claim 10, wherein the code delivery computer provides the codes to the user via email.

14. The system of claim 10, wherein the device is a vehicle.

15. The system of claim 14, wherein the vehicle is an automobile.

16. The system of claim 10, wherein the payment center is an automated teller machine.

17. The system of claim 10, wherein the payment center is a financial institution.

18. The system of claim 10, wherein the payment center is a convenience store.

19. The system of claim 10, wherein the payment corresponds to a weekly, bi-weekly, semi-monthly, or monthly payment.

20. The system of claim 10, wherein the device includes red, yellow and green lights which illuminate to indicate when a payment is due.