Payment system and method using tokens

Abstract

A method of payment using tokens issued by a third party comprising the steps of: a. A transaction management unit receives a request to perform a service for which payment with tokens is required; b. The management unit checks whether there are yet unused tokens available; If an unused token was found, go to step (c); If there are no available tokens, then indicate that, then END; c. The management unit requests information on an available token from a database. The status of the used token is changed to “used”; d. During the subsequent transaction, the management unit sends information relating to the token now used. A system for managing and monitoring the use of tokens, comprising: a. a transactions management unit using tokens, wherein the unit is activated when a local user requires to perform a service for which payment using tokens is required; b. a tokens database which includes information on tokens acquired from the third party; c. a tokens use monitoring unit, to verify the correct use of tokens; d. a database of tokens reports; e. a communication channel to other users.

1 - 47 . (canceled) 
   
   
       48 : A system for collecting payments in a distributed digital computerized communications environment for services provided to a user by a third party service provider, comprising:
 a. digital tokens, said digital tokens issued by a second party digital tokens issuer by computerized means via digital communication between the user and the second party, while the third party service provider is not part of the digital communication issuing the digital tokens;   b. a user token database for storing the digital tokens acquired by the user from the digital tokens issuer; and   c. a transaction management unit operative to cancel used digital tokens from the user tokens database, that are being used by the user according to computerized predefined criteria between the user and the digital tokens issuer, when the user uses the service provided by the third party such that there is no exchange of digital tokens between the user and the third party, said transaction management unit generating said digital tokens in response to receiving a special and secure digital permit from the digital tokens issuer and according to predefined criteria in different predefined values.   
   
   
       49 : The system for collecting payments with digital tokens according to  claim 48 , wherein the digital tokens can be in different predefined values. 
   
   
       50 : The system for collecting payments with digital tokens according to  claim 48 , wherein the digital tokens are cryptography protected from fraud. 
   
   
       51 : The system for collecting payments with digital tokens according to  claim 48 , wherein the service can be the usage of predefined software package that is in the user's possession. 
   
   
       52 : The system for collecting payments with digital tokens according to  claim 48 , wherein the service can be the usage of wireless resources or any other digital communication means to another user, while the collecting payment party is not involved in the communication. 
   
   
       53 : A system for monitoring the proper use, in payment for services provided by a third party, of digital tokens issued by a second party digital tokens issuer by computerized means, comprising:
 a. a transaction management unit for sending to the second party a report including information relating to a digital token used and canceled by a user while using the service for which a payment by digital tokens was required, said transaction management unit generating digital tokens in response to receiving a special and secure digital permit from the digital tokens issuer and according to predefined criteria in different predefined values;   b. a tokens reports database for storing reports relating to digital tokens used in the past, said tokens reports database receiving and storing said report sent by said transaction management unit; and   c. a tokens use monitoring unit for comparing the information in the report received from the transaction management unit with previous of said reports for said same user, and, if a violation of rules for the use of said digital tokens is detected, said tokens use monitoring unit performs one or more of: stores that information; displays a violation report; reports that to the digital tokens issuer; sends a note to said user of said digital token.   
   
   
       54 : The system of  claim 53 , wherein the second party maintains a database of previous reports relating to digital tokens used in the past by the user. 
   
   
       55 : The system of  claim 53 , wherein the second party maintains a database of previous reports relating to digital tokens used in the past by a plurality of other users. 
   
   
       56 : The system of  claim 53 , wherein the tokens reports database is updated to include the latest reports, and the oldest reports are deleted therefrom. 
   
   
       57 : The system of  claim 53 , wherein one of the rules for use of digital tokens is that no digital token is allowed to be used twice. 
   
   
       58 : The system of  claim 53 , wherein one of the rules for use of digital tokens is that the serial number of successive digital tokens should be in ascending order. 
   
   
       59 : The system of  claim 53 , wherein one of the rules for use of digital tokens is that the serial number of issued digital tokens should correspond to a digital document or digital permit issued by the third party.