公开(公告)号：WO2008013657A2

公开(公告)日：2008-01-31

申请号：PCT/US2007/015306

申请日：2007-06-27

Applicant: PLANET PAYMENT, INC. ,  BECK, Philip, D.

Inventor： BECK, Philip, D.

IPC: B05C9/02

CPC classification number: G06Q20/12 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3272 ,  G06Q20/381 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/00 ,  H04M3/4938

Abstract: A speech application implements a telephone-based commerce system and method which complements a core payment processing business and influences banks and other key partners to conduct such electronic business and commerce. The speech application includes a speech driven telephone interface for consumer shopping and order placement of commodity items; a consumer registration interface and secure process that ties in a credit card, debit card, or bank account; and a build-your-own-voice-store web application which includes a voice user interface with interactive voice response tailoring each voice store within the speech framework of the present invention and an inventory database. Multi-currency services, permitting pricing or payment in any chosen currency, as well as multiple spoken language processing of voice inputs are supported for performing voice commerce over telephones.

Abstract translation: 语音应用程序实现了基于电话的商务系统和方法，补充了核心支付处理业务，影响了银行和其他关键合作伙伴进行电子商务和商务。 语音应用包括用于消费者购物和商品的订单放置的语音驱动电话接口; 与信用卡，借记卡或银行帐户相关联的消费者注册界面和安全流程; 以及构建您自己的语音存储web应用，其包括具有交互式语音响应的语音用户界面，其定制本发明的语音框架内的每个语音存储以及库存数据库。 支持通过电话进行语音商务的多币种服务，允许以任何所选货币进行定价或付款以及语音输入的多种语言处理。

公开(公告)号：WO2009088487A1

公开(公告)日：2009-07-16

申请号：PCT/US2008/014147

申请日：2008-12-30

Applicant: PLANET PAYMENT, INC. ,  BECK, Philip, D. ,  WHITTLE, Paul

Inventor： BECK, Philip, D. ,  WHITTLE, Paul

IPC: H04K1/00

CPC classification number: G06Q20/381 ,  G06Q20/10 ,  G06Q30/06

Abstract: A system and method operate with a commerce processing system to determines a dynamic currency conversion markup rate for a given merchant and card number of a customer. The system and method determine the currency that is offered to the customer for the dynamic currency conversion transaction to support an opt-in process, so that an indication of a selected currency can be passed to a merchant in addition to the converted amount. Rate lookup logic is performed for every dynamic currency conversion transaction, and the data is arranged to be quickly accessed and occupies a minimum amount of memory storage space. Each merchant can elect to use a different rate for their customers based on business arrangements with the commerce processing system, their acquirer, the nature of their business, their competitors, and prevailing local market conditions.

Abstract translation: 系统和方法与商业处理系统一起操作以确定给定商家的动态货币转换标记速率和客户的卡号。 系统和方法确定为动态货币兑换交易提供给客户的货币以支持选择加入过程，以便除了转换的金额之外，还可以向商家传递所选货币的指示。 为每个动态货币兑换交易执行费率查找逻辑，并且数据被布置为被快速访问并且占用最小量的存储器存储空间。 每个商家可以根据与商业处理系统，其收购方，业务性质，竞争对手以及当地市场情况的业务安排，为客户选择不同的利率。

公开(公告)号：WO2008013657A9

公开(公告)日：2008-05-29

申请号：PCT/US2007015306

申请日：2007-06-27

Applicant: PLANET PAYMENT INC ,  BECK PHILIP D

Inventor： BECK PHILIP D

IPC: G10L15/00 ,  G10L15/28

CPC classification number: G06Q20/12 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3272 ,  G06Q20/381 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/00 ,  H04M3/4938

Abstract: A speech application implements a telephone-based commerce system and method which complements a core payment processing business and influences banks and other key partners to conduct such electronic business and commerce. The speech application includes a speech driven telephone interface for consumer shopping and order placement of commodity items; a consumer registration interface and secure process that ties in a credit card, debit card, or bank account; and a build-your-own-voice-store web application which includes a voice user interface with interactive voice response tailoring each voice store within the speech framework of the present invention and an inventory database. Multi-currency services, permitting pricing or payment in any chosen currency, as well as multiple spoken language processing of voice inputs are supported for performing voice commerce over telephones.

Abstract translation: 语音应用程序实现了基于电话的商务系统和方法，它补充了核心支付处理业务，并影响银行和其他重要合作伙伴进行此类电子商务和商务。 语音应用程序包括一个语音驱动的电话界面，用于消费者购物和商品物品的订购; 消费者注册界面以及绑定信用卡，借记卡或银行账户的安全流程; 以及建立自己的语音存储网络应用程序，其包括具有在本发明的语音框架内定制每个语音存储的交互式语音响应的语音用户界面和库存数据库。 通过电话进行语音交易，支持多币种服务，允许任何选定货币的定价或支付，以及多种语音输入的口语处理。

公开(公告)号：WO2008013657A3

公开(公告)日：2008-04-03

申请号：PCT/US2007015306

申请日：2007-06-27

Applicant: PLANET PAYMENT INC ,  BECK PHILIP D

Inventor： BECK PHILIP D

IPC: G10L15/00 ,  G10L15/28

CPC classification number: G06Q20/12 ,  G06Q20/102 ,  G06Q20/32 ,  G06Q20/322 ,  G06Q20/3272 ,  G06Q20/381 ,  G06Q30/06 ,  G06Q30/0601 ,  G06Q40/00 ,  H04M3/4938

Abstract: A speech application implements a telephone-based commerce system and method which complements a core payment processing business and influences banks and other key partners to conduct such electronic business and commerce. The speech application includes a speech driven telephone interface for consumer shopping and order placement of commodity items; a consumer registration interface and secure process that ties in a credit card, debit card, or bank account; and a build-your-own-voice-store web application which includes a voice user interface with interactive voice response tailoring each voice store within the speech framework of the present invention and an inventory database. Multi-currency services, permitting pricing or payment in any chosen currency, as well as multiple spoken language processing of voice inputs are supported for performing voice commerce over telephones.