CA2715496A1 - Method, device, and system for completing on-line financial transactions - Google Patents

Method, device, and system for completing on-line financial transactions Download PDF

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Publication number
CA2715496A1
CA2715496A1 CA2715496A CA2715496A CA2715496A1 CA 2715496 A1 CA2715496 A1 CA 2715496A1 CA 2715496 A CA2715496 A CA 2715496A CA 2715496 A CA2715496 A CA 2715496A CA 2715496 A1 CA2715496 A1 CA 2715496A1
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CA
Canada
Prior art keywords
user
institution
merchant
financial institution
identifier
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Granted
Application number
CA2715496A
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French (fr)
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CA2715496C (en
Inventor
Kenneth James Emerson
Edward Vincent O'meara
Qun Chen
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Mazooma Technical Services Inc
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Mazooma Technical Services Inc
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Publication of CA2715496A1 publication Critical patent/CA2715496A1/en
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Active legal-status Critical Current
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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G06Q20/204—Point-of-sale [POS] network systems comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/383—Anonymous user system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting

Abstract

A method for conducting a secure transaction over a network includes the steps of receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user, receiving a user identifier from a user, receiving a financial institution selection from the user, initiating a communication session with the selected financial institution, receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution, communicating to the selected financial institution a request to transfer funds, receiving the funds from the selected financial institution, and sending the funds to the merchant.

Claims (24)

1. A method for conducting a secure transaction over a network, the method comprising:
receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user;
receiving a user identifier from the user;
receiving from the user a selection of a non-integrated financial-institution;

initiating a communication session with the selected financial institution;
receiving) a financial-institution user-identifier from the user;

communicating the financial-institution user-identifier to the selected financial institution;
participating in a user free electronic dialogue with the financial institution, the dialogue including a request to transfer funds from the financial institution;
receiving the funds from the selected financial institution; and directing the funds to the merchant.
2. The method according to claim 1, wherein:
the user-free electronic dialogue is performed by an agent that automatically performs substantially all steps for electronic communication with the non-integrated financial institution to access an account associated with the user.
3. The method according to claim 1, wherein:
the funds from the selected financial institution are received into an intermediate account.
4. The method according to claim 3, wherein the sending the funds to the merchant comprises:
pushing, the funds from the intermediate account to the merchant.
5. The method according to claim 3, wherein the sending the funds to the merchant comprises:
aggregating at least two transactions into a net settlement amount owed to the merchant; and pushing the net settlement amount from the intermediate account to the merchant.
6. The method according to claim 1, further comprising:

communicating a payee identifier and the transaction identifier to the selected financial institution.
7. The method according to claim 1, further comprising:
receiving a financial-institution pass-code from the user; and communicating the financial-institution pass code to the selected financial institution.
8. A device for conducting a secure transaction over a network, the device comprising:
an in put operable to, receive a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user;
receive a user identifier from a user;
receive a selection of a non-integrated financial-institution from the user;
and receive a financial-institution user-identifier from the user, a processor communicatively coupled to the input, the processor operable to:
initiate and maintain a user-free communication session with the selected financial institution; and an output operable to:
communicate the financial-institution user-identifier to the selected financial institution;
communicate to the selected financial institution a request to transfer funds;
and communicate to the selected financial institution an identifier of an intermediate account for receiving the funds, wherein the intermediate account is a settlement account maintained by an entity separate from the financial institution and the merchant.
9. The device according to claim 8, wherein the processor is further operable to:
facilitate an agent that automatically performs substantially all steps of the user-free communication session with the financial institution to gain access to an account.
10. The device according to claim 8, wherein the processor is further operable to:

initiate a funds transfer from the intermediate account to the merchant.
11. The device according to claim 10, wherein the initiating the funds to the merchant comprises:
aggregating at least two transactions into a net settlement amount owed to the merchant; and pushing the net settlement amount from the intermediate account to the merchant.
12. The device according to claim 8, wherein the output is further operable to:
communicate a payee identifier and the transaction identifier to the selected financial institution.
13. The device according to claim 8, wherein the financial-institution user-identifier includes a pass-code.
14. A method for conducting a secure transaction over a network, the method comprising:
receiving a purchase selection at a merchant site;
communicating a transaction identifier and a purchase price from the merchant site to a debit agent;
receiving at the debit agent a user identifier from a user;
receiving at the debit agent a selection of a non-integrated financial institution from the user;
initiating with the debit agent a communication session with the selected financial institution, receiving at the debit agent a financial-institution user-identifier from the user;
communicating the financial-institution user-identifier from the debit agent to the selected financial institution;
participating in a user-free electronic dialogue between the debit agent and the financial institution, the dialogue including a request to transfer funds from the financial institution receiving into an intermediate account the funds from the selected financial institution, and transferring with the debit agent the funds from the intermediate account to the merchant.
15. The method according to claim 14, wherein the transferring the funds to the merchant comprises:

aggregating at least two transactions into a net settlement amount owed to the merchant; and pushing the net settlement amount from the intermediate account to the merchant.
16. The method according to claim 14, wherein the financial-institution user-identifier includes a pass-code.
17. The method according to claim 14, wherein the agent automatically performs substantially all steps for electronic communication with the non-integrated financial institution to gain access to an account at the financial institution.
18. A computer program product for conducting a secure transaction over a network, the computer program product comprising:
a. storage medium readable by a processing circuit and storing instructions for execution by the processing circuit for performing a method comprising:
receiving a price and a transaction identifier from a merchant, the transaction identifier identifying a purchase selection made by a user;
receiving a user identifier from a user;
receiving a financial-institution selection from the user;
initiating a communication session with the selected financial institution;
receiving a financial-institution user-identifier from the user, communicating the financial-institution user-identifier to the selected financial institution;
participating in a user-free electronic dialogue with the financial institution, the dialogue including a request to transfer funds from the financial institution;
receiving the funds from the selected financial institution; and sending the funds to the merchant.
19. The computer program product according to claim 18, wherein the user-free electronic dialogue is performed by an agent: that automatically performs substantially all steps for electronic communication with the financial institution to access an account associated with the user.
20. The computer program product according to claim 18, wherein:
the funds from the selected financial institution are received institution intermediate account.
21. The computer program product according to claim 20, wherein the sending the funds to the merchant comprises:
pushing the funds from the intermediate account to the merchant.
22. The computer program product according to claim 20, wherein the sending the funds to the merchant comprises:
aggregating at least two transactions into a net settlement amount owed to the merchant; and pushing the net settlement amount from the intermediate account to the merchant.
23. The computer program product according to claim 18, further comprising:
communicating a payee identifier and the transaction identifier to the selected financial institution.
24. The computer program product according to claim 18, further comprising:
receiving a financial-institution pass-code from the user; and communicating the financial-institution pass code to the selected financial institution.
CA2715496A 2008-02-01 2009-01-28 Method, device, and system for completing on-line financial transactions Active CA2715496C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US12/024,581 2008-02-01
US12/024,581 US7720764B2 (en) 2008-02-01 2008-02-01 Method, device, and system for completing on-line financial transaction
PCT/IB2009/005009 WO2009095795A2 (en) 2008-02-01 2009-01-28 Method, device, and system for completing on-line financial transactions

Publications (2)

Publication Number Publication Date
CA2715496A1 true CA2715496A1 (en) 2009-08-06
CA2715496C CA2715496C (en) 2015-12-22

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Family Applications (1)

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CA2715496A Active CA2715496C (en) 2008-02-01 2009-01-28 Method, device, and system for completing on-line financial transactions

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US (2) US7720764B2 (en)
EP (1) EP2238568A4 (en)
AU (1) AU2009208734B2 (en)
CA (1) CA2715496C (en)
WO (1) WO2009095795A2 (en)

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EP2238568A4 (en) 2014-01-15
US20100223152A1 (en) 2010-09-02
US8271385B2 (en) 2012-09-18
AU2009208734B2 (en) 2013-03-14
EP2238568A2 (en) 2010-10-13
US20090198615A1 (en) 2009-08-06
WO2009095795A2 (en) 2009-08-06
CA2715496C (en) 2015-12-22
US7720764B2 (en) 2010-05-18
AU2009208734A1 (en) 2009-08-06

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