System of payment patented for purchases in internet on sure and anonymous

The system of SkioCard payment is born from the ascertainment that the limit in the transactions by Internet is the phase of the payment, mainly for problems legacies to the emergency of the same one. Leaving from this ascertainment they have been made market researches for knowing if there were similar systems, have been faced the technical, administrative problems and bureaucratic and one is to the end arrived to plan, to realize and to patent the simplest system in a position to satisfying the requirements of the greater part of the operating ones in Internet, arranges potentially innovative and in a position to becoming a standard.

Physically the SkioCard is introduced like a ticket in plastic material similar in all and for all to a credit card. Every paper is identified from a number of matriculation and the secret code that in origin turns out covered from an opaque patina that will have to be abraded from the purchaser after to have open the sealed transparent confection. Two types of paper are previewed: prepaid and caricabile; the prepaid one will be sold near the operating within the national health service points sale (tabaccherie, centers trades them, etc) to the facade value, the caricabili will be distributed free of charge (through reviews of field, manifestations, etc) and will be loaded in the cuts previewed through a page WEB with the traditional Skio using average of payment or through other means (Automatic teller, Bank post, etc). The spendibile amount (for the moment in cuts from 50/100 €) is represented from the secret code and they do not give the same paper. The control system of the transactions for the moment is predisposed in order to accept the maximum cumulus of 5 papers and therefore the single admitted maximum transaction is of € 500. The SkioCard ticket is of type uses and throws, also in the version " caricabile". The back of the paper can be used in useful way like advertizing space to payment. The selling price to the public of the SkioCard will be fixed with a percentage of 10% of margin regarding the nominal value in order to cover the fixed costs beyond to the profit of the retailer of the SkioCard. Naturally, like for the credit cards, the vendor who will use the new system of payment will recognize to the Skio a percentage on the value of every transaction carried out with the fixed minimal amount that would have to cover the costs of the transfer of the money and the shipment of regulating invoice. I use of the SkioCard in a transaction, obligates the purchaser to visualize a mask generated from the serveur of the Skio for the communication and the control of the codes; in this phase, a part of the space can usefully be used with the visualization of a series of banner advertizing to spin. After all the new system of SkioCard payment has all the characteristics in order to become the most diffuse system than payment in the Web and could easy be extended, in a near future, to whichever transaction trades them to prescind from the used telephone, mass media (directed, email, mail, etc).

• Matthias Schwarz August 27, 2007

  Sex sells, but not always - my rudimentary Italian tells me that this is about a pre-paid universal shopping card with a security code to protect user transactions online. Well, the idea isn't new and the concept of pre-payment sure limits acceptance rates. The only true benefit is the anonymity offered by such mechanisms but it remains to be seen how many people are willing to pay for such a service. More importantly, these questions will make it difficult to get online vendors to sign up for acceptance of this card. Someone's gotta pay, and if it's not the end user then I'd like to hear about the business model.