WO2002065243A3 - Payment management - Google Patents

Payment management Download PDF

Info

Publication number
WO2002065243A3
WO2002065243A3 PCT/US2002/004050 US0204050W WO02065243A3 WO 2002065243 A3 WO2002065243 A3 WO 2002065243A3 US 0204050 W US0204050 W US 0204050W WO 02065243 A3 WO02065243 A3 WO 02065243A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
transaction
funds
status value
account status
Prior art date
Application number
PCT/US2002/004050
Other languages
French (fr)
Other versions
WO2002065243A2 (en
Inventor
Christopher D Clemens
Mark S Coronna
Mark R O'leary
Original Assignee
Us Bancorp Licensing Inc
Christopher D Clemens
Mark S Coronna
Mark R O'leary
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 Us Bancorp Licensing Inc, Christopher D Clemens, Mark S Coronna, Mark R O'leary filed Critical Us Bancorp Licensing Inc
Priority to CA002438189A priority Critical patent/CA2438189A1/en
Priority to EP02713574A priority patent/EP1374127A2/en
Priority to AU2002245418A priority patent/AU2002245418A1/en
Publication of WO2002065243A2 publication Critical patent/WO2002065243A2/en
Publication of WO2002065243A3 publication Critical patent/WO2002065243A3/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
    • 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
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q20/12—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
    • G06Q20/38—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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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

Abstract

A method and system (50) for effecting a payment from a payor in response to a payment request (52), comprising selecting a payment method from a set of payment methods (56). The payment method may be independent of a payment method selected for a payee (58). The payment may be effected by transmitting a message comprising a get funds trigger, a get funds type, a send funds trigger, and a send funds type, corresponding to the payment transaction. A method and system may receive a plurality of payment transaction notices, calculating a net account status value based on the plurality of transaction notice (60), and executing payment (62) of the net account status value.
PCT/US2002/004050 2001-02-12 2002-02-11 Payment management WO2002065243A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
CA002438189A CA2438189A1 (en) 2001-02-12 2002-02-11 Payment management
EP02713574A EP1374127A2 (en) 2001-02-12 2002-02-11 Payment management
AU2002245418A AU2002245418A1 (en) 2001-02-12 2002-02-11 Payment management

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/781,579 2001-02-12
US09/781,579 US20020111915A1 (en) 2001-02-12 2001-02-12 Payment management

Publications (2)

Publication Number Publication Date
WO2002065243A2 WO2002065243A2 (en) 2002-08-22
WO2002065243A3 true WO2002065243A3 (en) 2003-05-22

Family

ID=25123221

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/004050 WO2002065243A2 (en) 2001-02-12 2002-02-11 Payment management

Country Status (5)

Country Link
US (1) US20020111915A1 (en)
EP (1) EP1374127A2 (en)
AU (1) AU2002245418A1 (en)
CA (1) CA2438189A1 (en)
WO (1) WO2002065243A2 (en)

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US20030018551A1 (en) * 2001-07-20 2003-01-23 International Business Machines Corporation Method of hosting digital businesses
AU2002327322A1 (en) * 2001-07-24 2003-02-17 First Usa Bank, N.A. Multiple account card and transaction routing
US7805366B2 (en) * 2003-03-21 2010-09-28 Ebay Inc. Method and system to facilitate payments to satisfy payment obligations resulting from purchase transactions
US10535049B2 (en) * 2003-03-21 2020-01-14 Paypal, Inc. Payment transactions via substantially instant communication system
US7447663B1 (en) 2003-09-10 2008-11-04 Ameriprise Financial, Inc. Method for on-line client set-up and authorization of automatic electronic funds transfers
US8239323B2 (en) 2003-09-23 2012-08-07 Jpmorgan Chase Bank, N.A. Method and system for distribution of unactivated bank account cards
US8190517B1 (en) 2004-04-07 2012-05-29 American Express Travel Related Services Company, Inc. System and method for transferring a line of credit balance to a cash account
US8175938B2 (en) 2004-04-13 2012-05-08 Ebay Inc. Method and system for facilitating merchant-initiated online payments
US8036367B2 (en) * 2007-03-19 2011-10-11 Google Inc. Flexible communication systems and methods
US8341046B2 (en) 2007-10-30 2012-12-25 Visa U.S.A. Inc. Payment entity device reconciliation for multiple payment methods
US8311913B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity account set up for multiple payment methods
US8311914B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity for account payables processing using multiple payment methods
US8311937B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Client supported multiple payment methods system
US8374932B2 (en) * 2007-10-30 2013-02-12 Visa U.S.A. Inc. Payment entity device transaction processing using multiple payment methods
US8407141B2 (en) * 2007-10-30 2013-03-26 Visa U.S.A. Inc. System and method for processing multiple methods of payment
US9799028B2 (en) * 2007-11-30 2017-10-24 U.S. Bank National Association Seller routing arrangements and methods for disparate network systems
US9141948B2 (en) * 2007-11-30 2015-09-22 U.S. Bank National Association Control system arrangements and methods for disparate network systems
US9251510B2 (en) * 2007-11-30 2016-02-02 U.S. Bank National Association Buyer routing arrangements and methods for disparate network systems
US20090144194A1 (en) * 2007-11-30 2009-06-04 Mark Dickelman Computer automated systems, devices and methods for data processing of accounting records
US20090144170A1 (en) * 2007-11-30 2009-06-04 Mark Dickelman Buyer-Seller Interfaces and Methods for Disparate Network Systems
US20090150254A1 (en) 2007-11-30 2009-06-11 Mark Dickelman Systems, devices and methods for computer automated assistance for disparate networks and internet interfaces
US9367839B2 (en) 2007-11-30 2016-06-14 U.S. Bank National Association Disparate network systems and methods
US9424562B2 (en) 2007-11-30 2016-08-23 U.S. Bank National Association Profile-based arrangements and methods for disparate network systems
US10043201B2 (en) * 2008-01-31 2018-08-07 Bill.Com, Inc. Enhanced invitation process for electronic billing and payment system
US20110184843A1 (en) * 2008-01-31 2011-07-28 Bill.Com, Inc. Enhanced electronic anonymous payment system
US20110196786A1 (en) * 2008-01-31 2011-08-11 Rene Lacerte Determining trustworthiness and familiarity of users of an electronic billing and payment system
US10769686B2 (en) 2008-01-31 2020-09-08 Bill.Com Llc Enhanced invitation process for electronic billing and payment system
US9141991B2 (en) 2008-01-31 2015-09-22 Bill.Com, Inc. Enhanced electronic data and metadata interchange system and process for electronic billing and payment system
US20100005024A1 (en) * 2008-07-02 2010-01-07 Brian Schmitz System and Method for Enrolling Individuals in an Automated Payment Plan
CN101655948A (en) * 2008-08-20 2010-02-24 阿里巴巴集团控股有限公司 Online trading method and online trading system
CN101676943A (en) * 2008-09-16 2010-03-24 阿里巴巴集团控股有限公司 Loan capital real-time settlement method of physical distribution companies and system thereof
US8682760B2 (en) * 2009-05-20 2014-03-25 U.S. Bank National Association Methods and devices for savings participation
US8255330B2 (en) 2009-10-09 2012-08-28 U.S. Bank National Association Overdraft protection and forgiveness
US8606714B1 (en) 2009-10-09 2013-12-10 U.S. Bank National Association Flexible account management for customer transactions and overdrafts
US8799026B2 (en) * 2009-12-16 2014-08-05 Hartford Fire Insurance Company System for funding third-party-administered losses
US9367834B2 (en) * 2010-01-22 2016-06-14 Iii Holdings 1, Llc Systems, methods, and computer products for processing payments using a proxy card
US8612345B2 (en) * 2010-11-15 2013-12-17 The Western Union Company Routing for direct to account payments
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US8750475B1 (en) 2012-02-01 2014-06-10 Google Inc. Determining cost effective ways of communicating
US8819789B2 (en) 2012-03-07 2014-08-26 Bill.Com, Inc. Method and system for using social networks to verify entity affiliations and identities
EP2750090A1 (en) * 2012-12-27 2014-07-02 Orange Method to offer a payment menu to a user
US10417674B2 (en) 2013-03-14 2019-09-17 Bill.Com, Llc System and method for sharing transaction information by object tracking of inter-entity transactions and news streams
US10410191B2 (en) 2013-03-14 2019-09-10 Bill.Com, Llc System and method for scanning and processing of payment documentation in an integrated partner platform
US20140279461A1 (en) * 2013-03-14 2014-09-18 XO Group Inc. Systems and methods for a centralized payment management system
US10115137B2 (en) 2013-03-14 2018-10-30 Bill.Com, Inc. System and method for enhanced access and control for connecting entities and effecting payments in a commercially oriented entity network
US10572921B2 (en) 2013-07-03 2020-02-25 Bill.Com, Llc System and method for enhanced access and control for connecting entities and effecting payments in a commercially oriented entity network
CA2999776A1 (en) 2015-09-23 2017-03-30 Mroute Corp. System and method for settling multiple payees from a single electronic and/or check payment
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US20230069798A1 (en) * 2021-08-27 2023-03-02 Fidelity Information Services, Llc Systems and methods for executing real-time electronic transactions using graphical user interface
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US20020016765A1 (en) * 2000-07-11 2002-02-07 David Sacks System and method for third-party payment processing
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US20020087467A1 (en) * 2000-02-29 2002-07-04 Mascavage John Joseph Online purchasing method

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US20020194125A1 (en) * 1998-07-01 2002-12-19 Michael F.Krieger Method and software article for selecting electronic payment of vendors in an automated payment environment

Patent Citations (5)

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US20020087467A1 (en) * 2000-02-29 2002-07-04 Mascavage John Joseph Online purchasing method
US20020002534A1 (en) * 2000-06-27 2002-01-03 Davis Terry L. Method and system for managing transactions
US20020016765A1 (en) * 2000-07-11 2002-02-07 David Sacks System and method for third-party payment processing
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US20020087471A1 (en) * 2000-12-28 2002-07-04 Ravi Ganesan Multiple mode registration and payment processing

Also Published As

Publication number Publication date
AU2002245418A1 (en) 2002-08-28
WO2002065243A2 (en) 2002-08-22
US20020111915A1 (en) 2002-08-15
CA2438189A1 (en) 2002-08-22
EP1374127A2 (en) 2004-01-02

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