WO2002039400A3 - Real time electronic payment system using customer electronic bill payment system - Google Patents

Real time electronic payment system using customer electronic bill payment system Download PDF

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Publication number
WO2002039400A3
WO2002039400A3 PCT/CA2001/001596 CA0101596W WO0239400A3 WO 2002039400 A3 WO2002039400 A3 WO 2002039400A3 CA 0101596 W CA0101596 W CA 0101596W WO 0239400 A3 WO0239400 A3 WO 0239400A3
Authority
WO
WIPO (PCT)
Prior art keywords
customer
payment system
payment
merchant
real time
Prior art date
Application number
PCT/CA2001/001596
Other languages
French (fr)
Other versions
WO2002039400A2 (en
Inventor
Fabio Charbonneau
Marco Fortier
Original Assignee
Banque Laurentienne Du Canada
Fabio Charbonneau
Marco Fortier
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Banque Laurentienne Du Canada, Fabio Charbonneau, Marco Fortier filed Critical Banque Laurentienne Du Canada
Priority to AU2002218083A priority Critical patent/AU2002218083A1/en
Publication of WO2002039400A2 publication Critical patent/WO2002039400A2/en
Publication of WO2002039400A3 publication Critical patent/WO2002039400A3/en

Links

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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/14—Payment architectures specially adapted for billing systems

Abstract

The present invention is a system and method for permitting authentication and confirmation of payment for real-time electronic purchases by a customer from a merchant and method of putting in place such a system. A customer's client ID, a merchant identification and a purchase amount are communicated to a payment manager which has been previously arranged to have access to the customer's account information by way of the customer access Internet site of the customer's financial institution. On the customer's behalf, the payment manager requests a bill payment to the payment manager. A confirmation of bill payment is received by the payment manager and returned to the merchant. At a later time, the requested transfer of funds takes place, followed by a subsequent transfer to the merchant.
PCT/CA2001/001596 2000-11-13 2001-11-13 Real time electronic payment system using customer electronic bill payment system WO2002039400A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002218083A AU2002218083A1 (en) 2000-11-13 2001-11-13 Real time electronic payment system using customer electronic bill payment system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US70945100A 2000-11-13 2000-11-13
US09/709,451 2000-11-13

Publications (2)

Publication Number Publication Date
WO2002039400A2 WO2002039400A2 (en) 2002-05-16
WO2002039400A3 true WO2002039400A3 (en) 2003-10-09

Family

ID=24849900

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA2001/001596 WO2002039400A2 (en) 2000-11-13 2001-11-13 Real time electronic payment system using customer electronic bill payment system

Country Status (2)

Country Link
AU (1) AU2002218083A1 (en)
WO (1) WO2002039400A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2003903229A0 (en) * 2003-06-25 2003-07-10 Ewise Systems Pty Ltd A system and method for facilitating on-line payment

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
WO1997030543A1 (en) * 1996-02-19 1997-08-21 Telecom Finland Oy Method to arrange a payment service in a telecommunications network
WO1997045814A1 (en) * 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
EP0848361A1 (en) * 1996-12-13 1998-06-17 Nixu Oy Method and system for performing money transactions
WO1999056219A1 (en) * 1998-04-27 1999-11-04 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
WO2000033227A2 (en) * 1998-11-30 2000-06-08 Microsoft Corporation Payment schedule for electronic bill payment system

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5383113A (en) * 1991-07-25 1995-01-17 Checkfree Corporation System and method for electronically providing customer services including payment of bills, financial analysis and loans
WO1997030543A1 (en) * 1996-02-19 1997-08-21 Telecom Finland Oy Method to arrange a payment service in a telecommunications network
WO1997045814A1 (en) * 1996-05-24 1997-12-04 Behruz Vazvan Real time system and method for remote purchase payment and remote bill payment transactions and transferring of electronic cash and other required data
EP0848361A1 (en) * 1996-12-13 1998-06-17 Nixu Oy Method and system for performing money transactions
WO1999056219A1 (en) * 1998-04-27 1999-11-04 The Clearing House Service Company L.L.C. Electronic funds transfer method and system and bill presentment method and system
WO2000033227A2 (en) * 1998-11-30 2000-06-08 Microsoft Corporation Payment schedule for electronic bill payment system

Also Published As

Publication number Publication date
WO2002039400A2 (en) 2002-05-16
AU2002218083A1 (en) 2002-05-21

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