WO2002079926A3 - Payment service method and system - Google Patents
Payment service method and system Download PDFInfo
- Publication number
- WO2002079926A3 WO2002079926A3 PCT/US2002/008425 US0208425W WO02079926A3 WO 2002079926 A3 WO2002079926 A3 WO 2002079926A3 US 0208425 W US0208425 W US 0208425W WO 02079926 A3 WO02079926 A3 WO 02079926A3
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- payment service
- service provider
- customer
- payor
- clients
- Prior art date
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
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06F—ELECTRIC DIGITAL DATA PROCESSING
- G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
- G06F21/60—Protecting data
- G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
- G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
- G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
- G06F21/6254—Protecting personal data, e.g. for financial or medical purposes by anonymising data, e.g. decorrelating personal data from the owner's identification
-
- 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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- 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
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
-
- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- 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
- G06Q20/108—Remote banking, e.g. home banking
-
- 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
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- 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
- G06Q20/20—Point-of-sale [POS] network 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
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/343—Cards including a counter
- G06Q20/3433—Cards including a counter the counter having monetary units
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3672—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes initialising or reloading thereof
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- 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
- G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
-
- 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
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
- G06Q30/0234—Rebates after completed purchase
-
- 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
- G06Q30/0241—Advertisements
- G06Q30/0273—Determination of fees for advertising
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
- G06Q30/0615—Anonymizing
-
- 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]
- G06Q30/0641—Shopping interfaces
-
- 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
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Abstract
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
AU2002254293A AU2002254293A1 (en) | 2001-03-31 | 2002-03-19 | Payment service method and system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US09/823,697 US7165052B2 (en) | 2001-03-31 | 2001-03-31 | Payment service method and system |
US09/823,697 | 2001-03-31 |
Publications (2)
Publication Number | Publication Date |
---|---|
WO2002079926A2 WO2002079926A2 (en) | 2002-10-10 |
WO2002079926A3 true WO2002079926A3 (en) | 2004-03-04 |
Family
ID=25239447
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2002/008425 WO2002079926A2 (en) | 2001-03-31 | 2002-03-19 | Payment service method and system |
Country Status (3)
Country | Link |
---|---|
US (4) | US7165052B2 (en) |
AU (1) | AU2002254293A1 (en) |
WO (1) | WO2002079926A2 (en) |
Families Citing this family (248)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US8146807B2 (en) * | 1998-03-05 | 2012-04-03 | Cgi Technologies And Solutions Inc. | Method and system for managing case based promises to pay |
US6131811A (en) | 1998-05-29 | 2000-10-17 | E-Micro Corporation | Wallet consolidator |
US7357312B2 (en) * | 1998-05-29 | 2008-04-15 | Gangi Frank J | System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods |
US7083087B1 (en) | 2000-09-18 | 2006-08-01 | E-Micro Corporation | Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources |
US6615189B1 (en) | 1998-06-22 | 2003-09-02 | Bank One, Delaware, National Association | Debit purchasing of stored value card for use by and/or delivery to others |
US7809642B1 (en) | 1998-06-22 | 2010-10-05 | Jpmorgan Chase Bank, N.A. | Debit purchasing of stored value card for use by and/or delivery to others |
US7010512B1 (en) * | 1998-11-09 | 2006-03-07 | C/Base, Inc. | Transfer instrument |
US6032136A (en) | 1998-11-17 | 2000-02-29 | First Usa Bank, N.A. | Customer activated multi-value (CAM) card |
EP1131761A4 (en) * | 1998-11-17 | 2005-07-06 | Prenet Corp | Electronic payment system utilizing intermediary account |
US7660763B1 (en) | 1998-11-17 | 2010-02-09 | Jpmorgan Chase Bank, N.A. | Customer activated multi-value (CAM) card |
EP1049056A3 (en) * | 1999-04-26 | 2001-06-13 | CheckFree Corporation | Electronic bill presentment and/or payment clearinghouse |
US20080243721A1 (en) * | 1999-08-24 | 2008-10-02 | Raymond Anthony Joao | Apparatus and method for providing financial information and/or investment information |
US8793160B2 (en) | 1999-12-07 | 2014-07-29 | Steve Sorem | System and method for processing transactions |
US20080215472A1 (en) * | 2000-06-27 | 2008-09-04 | Nicholas Ahthony Lindsay Brown | Variable use advanced messaging system and method |
US20050229003A1 (en) * | 2004-04-09 | 2005-10-13 | Miles Paschini | System and method for distributing personal identification numbers over a computer network |
US7676030B2 (en) | 2002-12-10 | 2010-03-09 | Ewi Holdings, Inc. | System and method for personal identification number distribution and delivery |
US7184989B2 (en) | 2001-03-31 | 2007-02-27 | First Data Corporation | Staged transactions systems and methods |
US8150763B2 (en) * | 2001-03-31 | 2012-04-03 | The Western Union Company | Systems and methods for staging transactions, payments and collections |
US20060277146A1 (en) * | 2001-03-31 | 2006-12-07 | First Data Corporation | Electronic identifier payment systems and methods |
CA2443220A1 (en) | 2001-03-31 | 2002-10-10 | First Data Corporation | Electronic identifier payment system and methods |
US9853759B1 (en) | 2001-03-31 | 2017-12-26 | First Data Corporation | Staged transaction system for mobile commerce |
US7117183B2 (en) * | 2001-03-31 | 2006-10-03 | First Data Coroporation | Airline ticket payment and reservation system and methods |
US7313546B2 (en) | 2001-05-23 | 2007-12-25 | Jp Morgan Chase Bank, N.A. | System and method for currency selectable stored value instrument |
AU2002327322A1 (en) | 2001-07-24 | 2003-02-17 | First Usa Bank, N.A. | Multiple account card and transaction routing |
US7306141B1 (en) * | 2001-08-13 | 2007-12-11 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
US8020754B2 (en) | 2001-08-13 | 2011-09-20 | Jpmorgan Chase Bank, N.A. | System and method for funding a collective account by use of an electronic tag |
US20030069071A1 (en) * | 2001-09-28 | 2003-04-10 | Tim Britt | Entertainment monitoring system and method |
CN1608267A (en) * | 2001-11-26 | 2005-04-20 | 埃帕西菲克公司 | Systems and methods for fund transfers |
US20030163417A1 (en) * | 2001-12-19 | 2003-08-28 | First Data Corporation | Methods and systems for processing transaction requests |
JP2003233874A (en) * | 2002-02-06 | 2003-08-22 | Fujitsu Ltd | Settling system |
CA2475599A1 (en) * | 2002-02-23 | 2003-09-04 | Wow! Technologies, Inc. | Loadable debit card system and method |
US7756896B1 (en) | 2002-03-11 | 2010-07-13 | Jp Morgan Chase Bank | System and method for multi-dimensional risk analysis |
US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
JPWO2003083739A1 (en) * | 2002-03-28 | 2005-08-04 | 富士通株式会社 | System, method and program for issuing certificates |
AU2003230751A1 (en) | 2002-03-29 | 2003-10-13 | Bank One, Delaware, N.A. | System and process for performing purchase transaction using tokens |
US20040210498A1 (en) | 2002-03-29 | 2004-10-21 | Bank One, National Association | Method and system for performing purchase and other transactions using tokens with multiple chips |
FR2838207B1 (en) * | 2002-04-08 | 2006-06-23 | France Telecom | INFORMATION EXCHANGE SYSTEM WITH CONDITIONED ACCESS TO AN INFORMATION TRANSFER NETWORK |
EP1504393A4 (en) | 2002-04-23 | 2008-03-19 | Clearing House Service Company | Payment identification code and payment system using the same |
US20030229667A1 (en) * | 2002-06-10 | 2003-12-11 | Nils-Johan Pedersen | System, computer product and method for delivering pictures electronically |
US8239304B1 (en) | 2002-07-29 | 2012-08-07 | Jpmorgan Chase Bank, N.A. | Method and system for providing pre-approved targeted products |
US7809595B2 (en) | 2002-09-17 | 2010-10-05 | Jpmorgan Chase Bank, Na | System and method for managing risks associated with outside service providers |
US20040122736A1 (en) | 2002-10-11 | 2004-06-24 | Bank One, Delaware, N.A. | System and method for granting promotional rewards to credit account holders |
US20040078327A1 (en) * | 2002-10-16 | 2004-04-22 | First Data Corporation | Wireless communication device account payment notification systems and methods |
US8073773B2 (en) | 2002-11-01 | 2011-12-06 | Checkfree Corporation | Technique for identifying probable billers of a consumer |
US20040133515A1 (en) * | 2002-11-01 | 2004-07-08 | Mccoy Randal A. | Distributed matching of consumers with billers having bills available for electronic presentment |
US7395243B1 (en) | 2002-11-01 | 2008-07-01 | Checkfree Corporation | Technique for presenting matched billers to a consumer |
US20040133509A1 (en) * | 2002-11-01 | 2004-07-08 | Mccoy Randal A. | Technique for making payments for a non-subscriber payor |
US20040139011A1 (en) * | 2002-11-01 | 2004-07-15 | Kozee Casey W. | Technique for identifying probable payees of a consumer |
US7729996B2 (en) | 2002-11-01 | 2010-06-01 | Checkfree Corporation | Reuse of an EBP account through alternate authentication |
TW200407742A (en) * | 2002-11-13 | 2004-05-16 | Hon Hai Prec Ind Co Ltd | System and method for automatically notifying payment |
US10205721B2 (en) | 2002-12-10 | 2019-02-12 | Ewi Holdings, Inc. | System and method for distributing personal identification numbers over a computer network |
DE50304351D1 (en) * | 2003-01-08 | 2006-09-07 | Siemens Ag | Method for carrying out payment transactions by means of a telecommunications network |
US8447630B2 (en) * | 2004-02-26 | 2013-05-21 | Payment Pathways, Inc. | Systems and methods for managing permissions for information ownership in the cloud |
US7831490B2 (en) * | 2003-02-28 | 2010-11-09 | Payment Pathways, Inc. | Enhanced system for electronic funds transfer and elimination of the payee's need for encryption and privacy |
US7996268B2 (en) * | 2003-03-03 | 2011-08-09 | Poltorak Alexander I | Apparatus and method for an electronic telephone wallet |
DE10310527B4 (en) | 2003-03-11 | 2008-11-20 | Christian Hogl | A method for initiating and / or performing a payment transaction |
US20040205023A1 (en) * | 2003-04-08 | 2004-10-14 | First Data Corporation | Money transfer convenience card, systems and methods |
WO2004107280A2 (en) | 2003-05-28 | 2004-12-09 | Ewi Holdings, Inc. | System and method for electronic prepaid account replenishment |
US8095462B2 (en) * | 2003-05-30 | 2012-01-10 | Regions Asset Company | Dynamic enrollment control system, method and computer program product |
US8306907B2 (en) | 2003-05-30 | 2012-11-06 | Jpmorgan Chase Bank N.A. | System and method for offering risk-based interest rates in a credit instrument |
US8099361B1 (en) * | 2003-08-04 | 2012-01-17 | Amazon.Com, Inc. | Transaction processing system that applies user-specified rules to divide payment amounts among multiple payment instruments |
US7953663B1 (en) | 2003-09-04 | 2011-05-31 | Jpmorgan Chase Bank, N.A. | System and method for financial instrument pre-qualification and offering |
US20050177511A1 (en) * | 2003-11-11 | 2005-08-11 | Koushi Sakaguchi | Detailed data provision system |
US7437328B2 (en) * | 2003-11-14 | 2008-10-14 | E2Interactive, Inc. | Value insertion using bill pay card preassociated with biller |
US20100211493A9 (en) * | 2003-11-19 | 2010-08-19 | American Express Travel Related Services Company, Inc. | Incentive Programs For Healthcare Cards |
US7590557B2 (en) * | 2003-11-19 | 2009-09-15 | American Express Travel Related Services Company, Inc. | Healthcare card incentive program for multiple users |
US7922083B2 (en) * | 2003-11-19 | 2011-04-12 | Harrison Sarah E | Payment programs for healthcare plans |
US20070150414A1 (en) * | 2004-01-07 | 2007-06-28 | Precash, Inc. | System and method for facilitating payment transactions |
US8234214B2 (en) * | 2004-01-07 | 2012-07-31 | Precash, Inc. | System and method for facilitating large scale payment transactions |
US8725607B2 (en) | 2004-01-30 | 2014-05-13 | The Clearing House Payments Company LLC | Electronic payment clearing and check image exchange systems and methods |
US11475436B2 (en) | 2010-01-08 | 2022-10-18 | Blackhawk Network, Inc. | System and method for providing a security code |
US11599873B2 (en) | 2010-01-08 | 2023-03-07 | Blackhawk Network, Inc. | Systems and methods for proxy card and/or wallet redemption card transactions |
US7280644B2 (en) | 2004-12-07 | 2007-10-09 | Ewi Holdings, Inc. | Transaction processing platform for faciliating electronic distribution of plural prepaid services |
US7392222B1 (en) | 2004-08-03 | 2008-06-24 | Jpmorgan Chase Bank, N.A. | System and method for providing promotional pricing |
US7641109B2 (en) * | 2005-05-18 | 2010-01-05 | The Western Union Company | Money transfer cards, systems and methods |
US8152054B2 (en) | 2004-10-19 | 2012-04-10 | The Western Union Company | Money transfer systems and methods |
US20070185800A1 (en) * | 2004-11-19 | 2007-08-09 | Harrison Sarah E | Spending Account Systems and Methods |
US20070185802A1 (en) * | 2004-11-19 | 2007-08-09 | American Express Travel Related Services Company, Inc. | Incentive Programs For Healthcare Cards |
US7905399B2 (en) * | 2004-11-19 | 2011-03-15 | Barnes Brian T | Linking transaction cards with spending accounts |
US20070185799A1 (en) * | 2004-11-19 | 2007-08-09 | American Express Travel Related Services Company, Inc. | Spending Account Systems and Methods |
US20070194108A1 (en) * | 2004-11-19 | 2007-08-23 | American Express Travel Related Services Company, Inc. | Assured Payments For Health Care Plans |
US8630898B1 (en) * | 2005-02-22 | 2014-01-14 | Jpmorgan Chase Bank, N.A. | Stored value card provided with merchandise as rebate |
US7472822B2 (en) | 2005-03-23 | 2009-01-06 | E2Interactive, Inc. | Delivery of value identifiers using short message service (SMS) |
US7908212B2 (en) * | 2005-04-25 | 2011-03-15 | The Western Union Company | Transaction settlement using value exchange systems and methods |
US7392940B2 (en) | 2005-05-18 | 2008-07-01 | The Western Union Company | In-lane money transfer systems and methods |
US8672220B2 (en) * | 2005-09-30 | 2014-03-18 | The Western Union Company | Money transfer system and method |
US7401731B1 (en) | 2005-05-27 | 2008-07-22 | Jpmorgan Chase Bank, Na | Method and system for implementing a card product with multiple customized relationships |
US7970626B2 (en) | 2005-07-08 | 2011-06-28 | Oltine Acquistitions NY LLC | Facilitating payments to health care providers |
US7434729B2 (en) * | 2005-07-08 | 2008-10-14 | American Express Travel Related Services Company, Inc. | Healthcare card closed loop network |
US8874477B2 (en) | 2005-10-04 | 2014-10-28 | Steven Mark Hoffberg | Multifactorial optimization system and method |
US8205791B2 (en) | 2005-10-11 | 2012-06-26 | National Payment Card Association | Payment system and methods |
US7225093B1 (en) * | 2005-11-21 | 2007-05-29 | Agilent Technologies, Inc. | System and method for generating triggers based on predetermined trigger waveform and a measurement signal |
US8275702B1 (en) | 2005-12-28 | 2012-09-25 | United States Automobile Association | Systems and methods for processing financial obligations of a customer |
US8408455B1 (en) | 2006-02-08 | 2013-04-02 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
US7784682B2 (en) * | 2006-02-08 | 2010-08-31 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
US7591419B2 (en) * | 2006-03-28 | 2009-09-22 | HSBC Card Services Inc. | User selectable functionality facilitator |
US7753259B1 (en) | 2006-04-13 | 2010-07-13 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to both customers and non-customers |
US20080040275A1 (en) * | 2006-04-25 | 2008-02-14 | Uc Group Limited | Systems and methods for identifying potentially fraudulent financial transactions and compulsive spending behavior |
US20070250441A1 (en) * | 2006-04-25 | 2007-10-25 | Uc Group Limited | Systems and methods for determining regulations governing financial transactions conducted over a network |
US20070288363A1 (en) * | 2006-05-23 | 2007-12-13 | Mac Baren Financial Llc | System and method for facilitating automobile purchase payments |
US20080010157A1 (en) * | 2006-07-08 | 2008-01-10 | Raj Prakash | Deploying Advertisement Objects With Vendor Transaction Objects |
US20080027874A1 (en) * | 2006-07-26 | 2008-01-31 | Monseignat Bernard De | System and method for facilitating secure transactions over communication networks |
US10296895B2 (en) | 2010-01-08 | 2019-05-21 | Blackhawk Network, Inc. | System for processing, activating and redeeming value added prepaid cards |
US20080109352A1 (en) * | 2006-09-12 | 2008-05-08 | Daniel Csoka | Systems and methods for transferring funds from a sending account |
US20080103923A1 (en) * | 2006-10-31 | 2008-05-01 | Digital River, Inc. | Centralized Payment Gateway System and Method |
CA3032707C (en) | 2006-11-02 | 2021-02-09 | Voip-Pal.Com, Inc. | Producing routing messages for voice over ip communications |
US20080120234A1 (en) * | 2006-11-17 | 2008-05-22 | American Express Travel Related Services Company, Inc. | Variable Revenue Sharing For Multiple Account Payment Instruments |
BRPI0719682B1 (en) | 2006-11-29 | 2020-11-24 | Voip-Pal.Com, Inc. | INTERCEPTING VOICE COMMUNICATIONS VIA IP AND OTHER DATA COMMUNICATIONS |
US20080162340A1 (en) * | 2006-12-27 | 2008-07-03 | Robert Zimmer | Integrating enterprise information technology systems with a third-party on-line payment system |
US7739193B2 (en) * | 2006-12-27 | 2010-06-15 | Sap Ag | Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system |
KR101561428B1 (en) | 2007-01-09 | 2015-10-19 | 비자 유에스에이 인코포레이티드 | Contactless transaction |
US20080172331A1 (en) * | 2007-01-16 | 2008-07-17 | Graves Phillip C | Bill Payment Card Method and System |
US7933835B2 (en) | 2007-01-17 | 2011-04-26 | The Western Union Company | Secure money transfer systems and methods using biometric keys associated therewith |
US8818904B2 (en) | 2007-01-17 | 2014-08-26 | The Western Union Company | Generation systems and methods for transaction identifiers having biometric keys associated therewith |
US20080183627A1 (en) * | 2007-01-29 | 2008-07-31 | American Express Travel Related Services Company, Inc. | Filtered healthcare payment card linked to tax-advantaged accounts |
US20080185429A1 (en) * | 2007-02-05 | 2008-08-07 | First Data Corporation | Authentication Of PIN-Less Transactions |
US20080189209A1 (en) * | 2007-02-05 | 2008-08-07 | First Data Corporation | Real-Time Funds Transfer |
US9418501B2 (en) * | 2007-02-05 | 2016-08-16 | First Data Corporation | Method for digital signature authentication of pin-less debit card account transactions |
US7949543B2 (en) * | 2007-02-13 | 2011-05-24 | Oltine Acquisitions NY LLC | Methods, systems, and computer program products for promoting healthcare information technologies to card members |
US20080197188A1 (en) * | 2007-02-15 | 2008-08-21 | American Express Travel Related Services Company, Inc. | Transmission and capture of line-item-detail to assist in transaction substantiation and matching |
US8537805B2 (en) | 2007-03-26 | 2013-09-17 | Digifonica (International) Limited | Emergency assistance calling for voice over IP communications systems |
US8504473B2 (en) | 2007-03-28 | 2013-08-06 | The Western Union Company | Money transfer system and messaging system |
US20080294639A1 (en) * | 2007-05-21 | 2008-11-27 | American Express Travel Related Services Company, Inc. | System and Method For Delegating Program Management Authority |
US20090006135A1 (en) * | 2007-06-26 | 2009-01-01 | American Express Travel Related Services Company, Inc. | Accelerated Payments for Health Care Plans |
US9092781B2 (en) * | 2007-06-27 | 2015-07-28 | Verizon Patent And Licensing Inc. | Methods and systems for secure voice-authenticated electronic payment |
US20090006251A1 (en) * | 2007-06-28 | 2009-01-01 | American Express Travel Related Services Company, Inc. | Universal rollover account |
US8676642B1 (en) | 2007-07-05 | 2014-03-18 | Jpmorgan Chase Bank, N.A. | System and method for granting promotional rewards to financial account holders |
EP2191446A4 (en) | 2007-08-12 | 2012-06-06 | Invoice Clearing System Inc | System and method of offsetting invoice obligations |
US8676672B2 (en) | 2007-08-23 | 2014-03-18 | E2Interactive, Inc. | Systems and methods for electronic delivery of stored value |
US8788278B2 (en) * | 2007-08-28 | 2014-07-22 | Moneygram International, Inc. | Consumer database loyalty program for a money transfer system |
US8019679B2 (en) | 2007-10-18 | 2011-09-13 | Moneygram International, Inc. | Global compliance processing system for a money transfer system |
US8417601B1 (en) | 2007-10-18 | 2013-04-09 | Jpmorgan Chase Bank, N.A. | Variable rate payment card |
US8812401B2 (en) * | 2007-11-20 | 2014-08-19 | Propay Usa Inc. | Secure payment capture processes |
US8622308B1 (en) | 2007-12-31 | 2014-01-07 | Jpmorgan Chase Bank, N.A. | System and method for processing transactions using a multi-account transactions device |
US9015074B2 (en) | 2008-02-01 | 2015-04-21 | Mazooma Technical Services, Inc. | Device and method for facilitating financial transactions |
US7720764B2 (en) * | 2008-02-01 | 2010-05-18 | Kenneth James Emerson | Method, device, and system for completing on-line financial transaction |
US20090204526A1 (en) * | 2008-02-13 | 2009-08-13 | Cgi Technologies And Solutions Inc. | Method and system for utilizing a flexible case model for collections |
US8554652B1 (en) | 2008-02-21 | 2013-10-08 | Jpmorgan Chase Bank, N.A. | System and method for providing borrowing schemes |
US20090216579A1 (en) * | 2008-02-22 | 2009-08-27 | Microsoft Corporation | Tracking online advertising using payment services |
US20090240620A1 (en) * | 2008-03-24 | 2009-09-24 | Propay Usa, Inc. | Secure payment system |
US20090319427A1 (en) * | 2008-06-23 | 2009-12-24 | Jeffrey Gardner | Methods for electronic payments using a third party facilitator |
US10453043B2 (en) | 2008-06-25 | 2019-10-22 | Thomson Reuters Global Resources Unlimited Company | System and method for online bill payment |
US20090327135A1 (en) * | 2008-06-26 | 2009-12-31 | Loc Duc Nguyen | Credit card paired with location identifiable device for point of service fraud detection |
WO2010012090A2 (en) | 2008-07-28 | 2010-02-04 | Digifonica (International) Limited | Mobile gateway |
US8069121B2 (en) * | 2008-08-04 | 2011-11-29 | ProPay Inc. | End-to-end secure payment processes |
US20110106677A1 (en) * | 2008-08-08 | 2011-05-05 | Elbizri Samer | System and method of offsetting invoice obligations |
US20100042536A1 (en) * | 2008-08-15 | 2010-02-18 | Tim Thorson | System and method of transferring funds |
CN102187353A (en) * | 2008-09-05 | 2011-09-14 | 吉弗坦戈公司 | Systems and methods for authentication of a virtual stored value card |
US20100076833A1 (en) * | 2008-09-19 | 2010-03-25 | Giftango Corporation | Systems and methods for managing and using a virtual card |
US20100082466A1 (en) * | 2008-09-26 | 2010-04-01 | Mark Carlson | Beneficiary initiated p2p, p2b payment model |
WO2010036737A2 (en) * | 2008-09-26 | 2010-04-01 | Giftango Corporation | System and methods for managing a virtual card based on geographical information |
US20100100426A1 (en) * | 2008-10-16 | 2010-04-22 | Moneygram International, Inc. | Agent management system |
US20100106611A1 (en) * | 2008-10-24 | 2010-04-29 | Uc Group Ltd. | Financial transactions systems and methods |
US20100191652A1 (en) * | 2009-01-23 | 2010-07-29 | Eckert Daniel J | Systems and methods for adding functionality to a uis for use at a point of interaction |
US20110137761A1 (en) * | 2009-05-27 | 2011-06-09 | Mckean Enterprises, L.L.C. | Method for detecting fraudulent transactions between practice management and accounting software |
US20110010254A1 (en) | 2009-07-07 | 2011-01-13 | Chenot Richard H | Transaction processing systems and methods for per-transaction personal financial management |
US8265998B2 (en) | 2009-07-07 | 2012-09-11 | Chenot Richard H | Systems and methods for per-transaction financial card enabled personal financial management |
US8439274B2 (en) * | 2009-07-07 | 2013-05-14 | Richard H Chenot | Financial card with a per-transaction user definable magnetic strip portion |
US8290868B2 (en) * | 2009-07-07 | 2012-10-16 | Chenot Richard H | Financial cards and methods for per-transaction personal financial management |
US9841282B2 (en) * | 2009-07-27 | 2017-12-12 | Visa U.S.A. Inc. | Successive offer communications with an offer recipient |
US9443253B2 (en) | 2009-07-27 | 2016-09-13 | Visa International Service Association | Systems and methods to provide and adjust offers |
US10546332B2 (en) | 2010-09-21 | 2020-01-28 | Visa International Service Association | Systems and methods to program operations for interaction with users |
US8266031B2 (en) | 2009-07-29 | 2012-09-11 | Visa U.S.A. | Systems and methods to provide benefits of account features to account holders |
US20110035278A1 (en) * | 2009-08-04 | 2011-02-10 | Visa U.S.A. Inc. | Systems and Methods for Closing the Loop between Online Activities and Offline Purchases |
US20110035280A1 (en) | 2009-08-04 | 2011-02-10 | Visa U.S.A. Inc. | Systems and Methods for Targeted Advertisement Delivery |
WO2011019759A2 (en) * | 2009-08-10 | 2011-02-17 | Visa U.S.A. Inc. | Systems and methods for targeting offers |
PL2478678T3 (en) | 2009-09-17 | 2016-05-31 | Digifonica Int Ltd | Uninterrupted transmission of internet protocol transmissions during endpoint changes |
US20110071944A1 (en) * | 2009-09-22 | 2011-03-24 | Pitney Bowes Inc. | System and method for dispensing postage without printing |
US9031860B2 (en) | 2009-10-09 | 2015-05-12 | Visa U.S.A. Inc. | Systems and methods to aggregate demand |
US9342835B2 (en) | 2009-10-09 | 2016-05-17 | Visa U.S.A | Systems and methods to deliver targeted advertisements to audience |
US20110087611A1 (en) * | 2009-10-14 | 2011-04-14 | Shyam Chetal | Biometric identification and authentication system for financial accounts |
US8595058B2 (en) | 2009-10-15 | 2013-11-26 | Visa U.S.A. | Systems and methods to match identifiers |
US20110093324A1 (en) | 2009-10-19 | 2011-04-21 | Visa U.S.A. Inc. | Systems and Methods to Provide Intelligent Analytics to Cardholders and Merchants |
US8676639B2 (en) | 2009-10-29 | 2014-03-18 | Visa International Service Association | System and method for promotion processing and authorization |
US8626705B2 (en) | 2009-11-05 | 2014-01-07 | Visa International Service Association | Transaction aggregator for closed processing |
US8483448B2 (en) | 2009-11-17 | 2013-07-09 | Scanable, Inc. | Electronic sales method |
US20110125565A1 (en) | 2009-11-24 | 2011-05-26 | Visa U.S.A. Inc. | Systems and Methods for Multi-Channel Offer Redemption |
US11928696B2 (en) | 2009-12-16 | 2024-03-12 | E2Interactive, Inc. | Systems and methods for generating a virtual value item for a promotional campaign |
AU2011203954A1 (en) | 2010-01-08 | 2012-07-26 | Blackhawk Network, Inc. | A system for processing, activating and redeeming value added prepaid cards |
US10037526B2 (en) | 2010-01-08 | 2018-07-31 | Blackhawk Network, Inc. | System for payment via electronic wallet |
WO2012027664A1 (en) | 2010-08-27 | 2012-03-01 | Blackhawk Network, Inc. | Prepaid card with savings feature |
EP2524492A4 (en) * | 2010-01-11 | 2014-11-19 | Mobile Messenger Global Inc | Method and apparatus for billing purchases from a mobile phone application |
US8738418B2 (en) | 2010-03-19 | 2014-05-27 | Visa U.S.A. Inc. | Systems and methods to enhance search data with transaction based data |
US8639567B2 (en) | 2010-03-19 | 2014-01-28 | Visa U.S.A. Inc. | Systems and methods to identify differences in spending patterns |
US9697520B2 (en) | 2010-03-22 | 2017-07-04 | Visa U.S.A. Inc. | Merchant configured advertised incentives funded through statement credits |
US9471926B2 (en) | 2010-04-23 | 2016-10-18 | Visa U.S.A. Inc. | Systems and methods to provide offers to travelers |
US20110264558A1 (en) * | 2010-04-26 | 2011-10-27 | Alexandrou Alexandros P | Third party transaction payment processing |
US8359274B2 (en) | 2010-06-04 | 2013-01-22 | Visa International Service Association | Systems and methods to provide messages in real-time with transaction processing |
US10068287B2 (en) | 2010-06-11 | 2018-09-04 | David A. Nelsen | Systems and methods to manage and control use of a virtual card |
US8781896B2 (en) | 2010-06-29 | 2014-07-15 | Visa International Service Association | Systems and methods to optimize media presentations |
US9760905B2 (en) | 2010-08-02 | 2017-09-12 | Visa International Service Association | Systems and methods to optimize media presentations using a camera |
US9972021B2 (en) | 2010-08-06 | 2018-05-15 | Visa International Service Association | Systems and methods to rank and select triggers for real-time offers |
US9679299B2 (en) | 2010-09-03 | 2017-06-13 | Visa International Service Association | Systems and methods to provide real-time offers via a cooperative database |
US10055745B2 (en) | 2010-09-21 | 2018-08-21 | Visa International Service Association | Systems and methods to modify interaction rules during run time |
US9477967B2 (en) | 2010-09-21 | 2016-10-25 | Visa International Service Association | Systems and methods to process an offer campaign based on ineligibility |
US20120078660A1 (en) * | 2010-09-28 | 2012-03-29 | Welch Allyn, Inc. | Web-based tool to prepare for and select an electronic health record system |
US9483786B2 (en) | 2011-10-13 | 2016-11-01 | Gift Card Impressions, LLC | Gift card ordering system and method |
US9031869B2 (en) | 2010-10-13 | 2015-05-12 | Gift Card Impressions, LLC | Method and system for generating a teaser video associated with a personalized gift |
US9558502B2 (en) | 2010-11-04 | 2017-01-31 | Visa International Service Association | Systems and methods to reward user interactions |
US10007915B2 (en) | 2011-01-24 | 2018-06-26 | Visa International Service Association | Systems and methods to facilitate loyalty reward transactions |
US20120209769A1 (en) * | 2011-02-16 | 2012-08-16 | Moneygram International, Inc. | Money transfer system for sending money to an institution for the benefit of a receiver associated with the institution |
US8751381B2 (en) | 2011-02-23 | 2014-06-10 | Mastercard International Incorporated | Demand deposit account payment system |
US10438299B2 (en) | 2011-03-15 | 2019-10-08 | Visa International Service Association | Systems and methods to combine transaction terminal location data and social networking check-in |
US20120311151A1 (en) | 2011-06-03 | 2012-12-06 | Uc Group Limited | Systems and methods for establishing and enforcing user exclusion criteria across multiple websites |
WO2013009921A1 (en) * | 2011-07-11 | 2013-01-17 | Prodege, Llc | System and method for monitoring and rewarding an incentivized activity |
US10360542B2 (en) * | 2011-08-02 | 2019-07-23 | Facebook, Inc. | Payment platform for online service providers |
BR112014002652A8 (en) * | 2011-08-03 | 2017-06-20 | Ebay Inc | system, method for processing a financial transaction at a point of sale, and non-transitory machine readable medium |
US10223707B2 (en) | 2011-08-19 | 2019-03-05 | Visa International Service Association | Systems and methods to communicate offer options via messaging in real time with processing of payment transaction |
US9466075B2 (en) | 2011-09-20 | 2016-10-11 | Visa International Service Association | Systems and methods to process referrals in offer campaigns |
US10380617B2 (en) | 2011-09-29 | 2019-08-13 | Visa International Service Association | Systems and methods to provide a user interface to control an offer campaign |
US10290018B2 (en) | 2011-11-09 | 2019-05-14 | Visa International Service Association | Systems and methods to communicate with users via social networking sites |
US10402795B2 (en) | 2012-01-05 | 2019-09-03 | Moneygram International, Inc. | Prefunding for money transfer send transactions |
US9390442B2 (en) | 2012-01-10 | 2016-07-12 | International Business Machines Corporation | Capturing of unique identifier in M-commerce transaction |
US10497022B2 (en) | 2012-01-20 | 2019-12-03 | Visa International Service Association | Systems and methods to present and process offers |
US10417677B2 (en) | 2012-01-30 | 2019-09-17 | Gift Card Impressions, LLC | Group video generating system |
US20130212003A1 (en) * | 2012-02-10 | 2013-08-15 | Intuit Inc. | Mobile money order |
US10672018B2 (en) | 2012-03-07 | 2020-06-02 | Visa International Service Association | Systems and methods to process offers via mobile devices |
US20130259028A1 (en) * | 2012-04-02 | 2013-10-03 | Thomas E. Skala | Telephony integrated communication system and method |
US11042870B2 (en) | 2012-04-04 | 2021-06-22 | Blackhawk Network, Inc. | System and method for using intelligent codes to add a stored-value card to an electronic wallet |
US8738520B2 (en) | 2012-04-23 | 2014-05-27 | Moneygram International, Inc. | Send and receive side control of money transfer parameters |
WO2014039568A1 (en) | 2012-09-04 | 2014-03-13 | Linq3 Technologies Llc | Systems and methods for integrated game play through the use of barcodes on smart phones and hand held devices |
US10943432B2 (en) | 2012-09-04 | 2021-03-09 | E2Interactive, Inc. | Processing of a game-playing transaction based on location |
US10229561B2 (en) | 2012-09-04 | 2019-03-12 | Linq3 Technologies Llc | Processing of a user device game-playing transaction based on location |
EP2923325A4 (en) | 2012-11-20 | 2016-08-17 | Blackhawk Network Inc | System and method for using intelligent codes in conjunction with stored-value cards |
US8657688B1 (en) * | 2012-11-26 | 2014-02-25 | Moneygram International, Inc. | Promotion generation engine for a money transfer system |
US10360627B2 (en) | 2012-12-13 | 2019-07-23 | Visa International Service Association | Systems and methods to provide account features via web based user interfaces |
US9565911B2 (en) | 2013-02-15 | 2017-02-14 | Gift Card Impressions, LLC | Gift card presentation devices |
US11219288B2 (en) | 2013-02-15 | 2022-01-11 | E2Interactive, Inc. | Gift card box with slanted tray and slit |
US10755245B2 (en) | 2013-02-25 | 2020-08-25 | Moneygram International, Inc. | Money transfer system having location based language and dynamic receipt capabilities |
US10115268B2 (en) | 2013-03-15 | 2018-10-30 | Linq3 Technologies Llc | Systems and methods for integrated game play at payment-enabled terminals |
US10217107B2 (en) | 2013-05-02 | 2019-02-26 | Gift Card Impressions, LLC | Stored value card kiosk system and method |
US10192204B2 (en) * | 2013-08-01 | 2019-01-29 | Moneygram International, Inc. | System and method for staging money transfers between users having profiles |
US10489754B2 (en) | 2013-11-11 | 2019-11-26 | Visa International Service Association | Systems and methods to facilitate the redemption of offer benefits in a form of third party statement credits |
US10419379B2 (en) | 2014-04-07 | 2019-09-17 | Visa International Service Association | Systems and methods to program a computing system to process related events via workflows configured using a graphical user interface |
US10262346B2 (en) | 2014-04-30 | 2019-04-16 | Gift Card Impressions, Inc. | System and method for a merchant onsite personalization gifting platform |
US10354268B2 (en) | 2014-05-15 | 2019-07-16 | Visa International Service Association | Systems and methods to organize and consolidate data for improved data storage and processing |
US10650398B2 (en) | 2014-06-16 | 2020-05-12 | Visa International Service Association | Communication systems and methods to transmit data among a plurality of computing systems in processing benefit redemption |
US10438226B2 (en) | 2014-07-23 | 2019-10-08 | Visa International Service Association | Systems and methods of using a communication network to coordinate processing among a plurality of separate computing systems |
US11210669B2 (en) | 2014-10-24 | 2021-12-28 | Visa International Service Association | Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation |
US11295308B1 (en) | 2014-10-29 | 2022-04-05 | The Clearing House Payments Company, L.L.C. | Secure payment processing |
US9691085B2 (en) | 2015-04-30 | 2017-06-27 | Visa International Service Association | Systems and methods of natural language processing and statistical analysis to identify matching categories |
US11042882B2 (en) | 2015-07-01 | 2021-06-22 | The Clearing House Payments Company, L.L.C. | Real-time payment system, method, apparatus, and computer program |
US11694168B2 (en) | 2015-07-01 | 2023-07-04 | The Clearing House Payments Company L.L.C. | Real-time payment system, method, apparatus, and computer program |
CN107038560B (en) * | 2017-01-06 | 2020-09-08 | 阿里巴巴集团控股有限公司 | System, method and device for executing payment service |
JP6805915B2 (en) * | 2017-03-15 | 2020-12-23 | 日本電気株式会社 | Information processing equipment, control methods, and programs |
US10954049B2 (en) | 2017-12-12 | 2021-03-23 | E2Interactive, Inc. | Viscous liquid vessel for gifting |
US11436577B2 (en) | 2018-05-03 | 2022-09-06 | The Clearing House Payments Company L.L.C. | Bill pay service with federated directory model support |
RU2718821C1 (en) * | 2019-10-04 | 2020-04-14 | Общество С Ограниченной Ответственностью "Сплат Глобал" | System and method of automated processing of marketing actions data |
Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6282522B1 (en) * | 1997-04-30 | 2001-08-28 | Visa International Service Association | Internet payment system using smart card |
WO2001075744A1 (en) * | 2000-04-03 | 2001-10-11 | Incogno Corporation | Method of and system for effecting anonymous credit card purchases over the internet |
WO2001086600A2 (en) * | 2000-05-12 | 2001-11-15 | Logo Hardware- & Internet-Service Gmbh | Payment card and method for conducting transactions using a payment card |
US6334108B1 (en) * | 1989-05-01 | 2001-12-25 | Catalina Marketing International, Inc. | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US20020087469A1 (en) * | 2000-12-28 | 2002-07-04 | Ravi Ganesan | Technique of registration for and direction of electronic payments in real-time |
US20020087337A1 (en) * | 2000-12-29 | 2002-07-04 | Hensley David W. | System to ensure customer privacy in an e-business |
Family Cites Families (185)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US88261A (en) * | 1869-03-30 | Improvement in reversible knob-latches | ||
US42785A (en) * | 1864-05-17 | Improvement in devices for making minie balls | ||
US225689A (en) * | 1880-03-23 | Bisulphide-of-carbon engine | ||
US54003A (en) * | 1866-04-17 | Improvement in land-levelers | ||
US23055A (en) * | 1859-02-22 | Key-bolt fob attaching carriage-thills | ||
US126075A (en) * | 1872-04-23 | Improvement in lamps | ||
US254833A (en) * | 1882-03-14 | Horace w | ||
US187791A (en) * | 1877-02-27 | Improvement in straw-gutters | ||
US126036A (en) * | 1872-04-23 | Improvement in dumping-cars | ||
US111529A (en) * | 1871-02-07 | Improvement in invertible troughs | ||
US87467A (en) * | 1869-03-02 | Improvement in the manufacture of india-rubber trunks, valises, boxes | ||
US211831A (en) * | 1879-02-04 | Improvement in loop-wheels for knitting-machines | ||
US87462A (en) * | 1869-03-02 | Improved locomotive alarm-bell | ||
US187929A (en) * | 1877-02-27 | Improvement in pulley and shaft connections | ||
US51876A (en) * | 1866-01-02 | smith | ||
US149662A (en) * | 1874-04-14 | Improvement in middlings-purifiers | ||
US161702A (en) * | 1875-04-06 | Improvement in loom-shuttles | ||
US135459A (en) * | 1873-02-04 | Improvement in turbine water-wheels | ||
US148286A (en) * | 1874-03-10 | Improvement in cigar-bunch machines | ||
US187789A (en) * | 1877-02-27 | Improvement in toasters and broilers | ||
US158521A (en) * | 1875-01-05 | Improvement in uniting handles to sad-irons | ||
US78327A (en) * | 1868-05-26 | Improvement in the manufacture of artificial stone | ||
US87463A (en) * | 1869-03-02 | Improved invalid-bed and bedstead | ||
US187792A (en) * | 1877-02-27 | Uthog rap her | ||
US126083A (en) * | 1872-04-23 | Improvement in steam-pumps | ||
US17067A (en) * | 1857-04-14 | Jptfmt | ||
US111908A (en) * | 1871-02-21 | Improvement in valves for water-engines | ||
US28491A (en) * | 1860-05-29 | Sash-fastener | ||
US88248A (en) * | 1869-03-23 | Improvement in automatic transmitting- tele graph-apparatus | ||
US62285A (en) * | 1867-02-19 | Lewin a | ||
US46106A (en) * | 1865-01-31 | Improvement in scroll-sawing machines | ||
US3599151A (en) | 1969-12-29 | 1971-08-10 | Ibm | Character recognition photosensing apparatus having a threshold comparator circuit |
US3783755A (en) | 1972-06-05 | 1974-01-08 | H Lagin | Apparatus for applying indicias to sheets |
US3833395A (en) | 1972-09-11 | 1974-09-03 | Burroughs Corp | Continuous form computer print-out document protection system |
US4032931A (en) | 1975-12-22 | 1977-06-28 | Haker Floyd H | Money transfer device keyboard terminal |
US4321672A (en) | 1979-11-26 | 1982-03-23 | Braun Edward L | Financial data processing system |
US4454414A (en) | 1982-06-16 | 1984-06-12 | Vericard Corporation | Funds transfer system using optically coupled, portable modules |
JPS5972572A (en) | 1982-10-19 | 1984-04-24 | Omron Tateisi Electronics Co | Terminal device for settlement of credit transaction |
JPS5979375A (en) | 1982-10-29 | 1984-05-08 | Omron Tateisi Electronics Co | Facility for settling transactions |
JPS59153261A (en) | 1983-02-18 | 1984-09-01 | Omron Tateisi Electronics Co | Transaction processor |
JPH079678B2 (en) | 1983-03-01 | 1995-02-01 | オムロン株式会社 | Electronic cash register |
US5021967A (en) | 1984-04-03 | 1991-06-04 | Republic Money Orders, Inc. | Apparatus for dispensing money orders |
US4812628A (en) | 1985-05-02 | 1989-03-14 | Visa International Service Association | Transaction system with off-line risk assessment |
US4823264A (en) * | 1986-05-27 | 1989-04-18 | Deming Gilbert R | Electronic funds transfer system |
US4722554A (en) | 1986-08-27 | 1988-02-02 | St. Ives Laboratories, Inc. | Alternative-value paper refund form |
US5053607A (en) | 1986-10-06 | 1991-10-01 | Carlson Steven R | Point-of-sale device particularly adapted for processing checks |
US4795892A (en) * | 1987-12-09 | 1989-01-03 | Cic Systems, Inc. | Pre-paid commodity system |
US4902881A (en) | 1988-06-10 | 1990-02-20 | Faxplus Corporation | Parallel process communications terminal and network |
US4961142A (en) | 1988-06-29 | 1990-10-02 | Mastercard International, Inc. | Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer |
US4972318A (en) | 1988-09-09 | 1990-11-20 | Iron City Sash & Door Company | Order entry and inventory control method |
US5119293A (en) | 1988-09-16 | 1992-06-02 | Republic Money Orders, Inc. | System and apparatus for dispensing negotiable instruments |
US5870724A (en) * | 1989-12-08 | 1999-02-09 | Online Resources & Communications Corporation | Targeting advertising in a home retail banking delivery service |
US5220501A (en) | 1989-12-08 | 1993-06-15 | Online Resources, Ltd. | Method and system for remote delivery of retail banking services |
US5623547A (en) | 1990-04-12 | 1997-04-22 | Jonhig Limited | Value transfer system |
US6539363B1 (en) * | 1990-08-30 | 2003-03-25 | Ncr Corporation | Write input credit transaction apparatus and method with paperless merchant credit card processing |
US5367452A (en) | 1990-10-05 | 1994-11-22 | Carts Of Colorado, Inc. | Mobile merchandising business management system which provides comprehensive support services for transportable business operations |
US5175682A (en) | 1990-12-14 | 1992-12-29 | Verifone, Inc. | Check system and method including prioritizing checks for transmission to banks for processing |
EP0585238A1 (en) | 1991-03-12 | 1994-03-09 | SUTCLIFFE, Peter Harold | Apparatus and method for generating a receipt |
US5783808A (en) | 1996-01-11 | 1998-07-21 | J. D. Carreker And Associates, Inc. | Electronic check presentment system having transaction level reconciliation capability |
US20030023552A1 (en) * | 1991-07-25 | 2003-01-30 | Checkfree Services Corporation | Payment processing utilizing alternate account identifiers |
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 |
US5510979A (en) | 1991-07-30 | 1996-04-23 | Restaurant Technology, Inc. | Data processing system and method for retail stores |
WO1993009506A1 (en) | 1991-10-30 | 1993-05-13 | Computer Based Controls, Inc. | Financial document dispensing apparatus and method |
US5453601A (en) | 1991-11-15 | 1995-09-26 | Citibank, N.A. | Electronic-monetary system |
US5334821A (en) | 1992-07-16 | 1994-08-02 | Telxon Corporation | Portable point of sale terminal |
US5491325A (en) | 1992-08-25 | 1996-02-13 | Huang; Dorge O. | Method and system for payment and payment verification |
US5283829A (en) | 1992-10-01 | 1994-02-01 | Bell Communications Research, Inc. | System and method for paying bills electronically |
US5825617A (en) | 1992-10-02 | 1998-10-20 | Teletransactions, Inc. | Workslate computer having modular device docking stations on horizontal and vertical side portions |
US5504677A (en) | 1992-10-15 | 1996-04-02 | Pollin; Robert E. | Automated payment system |
US5484988A (en) | 1992-11-13 | 1996-01-16 | Resource Technology Services, Inc. | Checkwriting point of sale system |
US5267314A (en) | 1992-11-17 | 1993-11-30 | Leon Stambler | Secure transaction system and method utilized therein |
US5350906A (en) | 1992-11-25 | 1994-09-27 | Brody Bill E | Currency transfer system and method using fixed limit cards |
JPH06243158A (en) | 1993-02-19 | 1994-09-02 | Fujitsu Ltd | Foreign remittance business processing system |
US5426594A (en) | 1993-04-02 | 1995-06-20 | Motorola, Inc. | Electronic greeting card store and communication system |
US5513117A (en) | 1993-04-30 | 1996-04-30 | Small; Maynard E. | Apparatus and method for electronically dispensing personalized greeting cards and gifts |
US5794207A (en) | 1996-09-04 | 1998-08-11 | Walker Asset Management Limited Partnership | Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers |
US5570465A (en) | 1993-07-22 | 1996-10-29 | Tsakanikas; Peter J. | Apparatus, method and system for printing of legal currency and negotiable instruments |
US5477038A (en) | 1993-10-25 | 1995-12-19 | Visa International | Method and apparatus for distributing currency |
USRE36365E (en) * | 1993-10-25 | 1999-11-02 | Visa International Service Association | Method and apparatus for distributing currency |
GB2283349A (en) | 1993-10-29 | 1995-05-03 | Ibm | Transaction processing system |
US5465206B1 (en) | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
US5920847A (en) | 1993-11-01 | 1999-07-06 | Visa International Service Association | Electronic bill pay system |
US5550734A (en) * | 1993-12-23 | 1996-08-27 | The Pharmacy Fund, Inc. | Computerized healthcare accounts receivable purchasing collections securitization and management system |
US5774879A (en) | 1993-12-27 | 1998-06-30 | First Data Corporation | Automated financial instrument processing system |
GB9401757D0 (en) | 1994-01-31 | 1994-03-23 | Neopost Ltd | Franking machine |
US5461217A (en) | 1994-02-08 | 1995-10-24 | At&T Ipm Corp. | Secure money transfer techniques using smart cards |
US5799087A (en) | 1994-04-28 | 1998-08-25 | Citibank, N.A. | Electronic-monetary system |
US5555496A (en) | 1994-05-06 | 1996-09-10 | Mary T. Tackbary | Method and apparatus for communicating with a card distribution center for management, selection, and delivery of social expression cards |
US5649117A (en) | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
US5577109A (en) | 1994-06-06 | 1996-11-19 | Call Processing, Inc. | Pre-paid card system and method |
NL9401406A (en) * | 1994-08-31 | 1996-04-01 | Nederland Ptt | Payment system with improved integrity. |
US5826241A (en) | 1994-09-16 | 1998-10-20 | First Virtual Holdings Incorporated | Computerized system for making payments and authenticating transactions over the internet |
EP0789883A4 (en) | 1994-09-28 | 2002-07-31 | Gordon T Brown | Automated accounting system |
US5909673A (en) | 1994-09-29 | 1999-06-01 | Gregory; Edward M. | Method and system for creating site specific coupons at a plurality of remote locations which are controlled by a central office |
US5715314A (en) | 1994-10-24 | 1998-02-03 | Open Market, Inc. | Network sales system |
US5679938A (en) | 1994-12-02 | 1997-10-21 | Telecheck International, Inc. | Methods and systems for interactive check authorizations |
US5732400A (en) | 1995-01-04 | 1998-03-24 | Citibank N.A. | System and method for a risk-based purchase of goods |
US5915023A (en) | 1997-01-06 | 1999-06-22 | Bernstein; Robert | Automatic portable account controller for remotely arranging for transfer of value to a recipient |
US5732136A (en) | 1995-01-31 | 1998-03-24 | Realsource Communications, Inc. | Merchant specific debit card verification system |
GB9502907D0 (en) * | 1995-02-15 | 1995-04-05 | Int Computers Ltd | Electronic identification system |
US5650604A (en) | 1995-02-22 | 1997-07-22 | Electronic Data Systems Corporation | System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds |
US5717868A (en) | 1995-03-07 | 1998-02-10 | Huntington Bancshares Inc. | Electronic payment interchange concentrator |
US5787403A (en) | 1995-03-08 | 1998-07-28 | Huntington Bancshares, Inc. | Bank-centric service platform, network and system |
US5553145A (en) | 1995-03-21 | 1996-09-03 | Micali; Silvia | Simultaneous electronic transactions with visible trusted parties |
US5622388A (en) | 1995-03-23 | 1997-04-22 | Alcordo; Isabelo S. | Postcard rank check |
US5903633A (en) * | 1995-03-27 | 1999-05-11 | Smarttalk Teleservices, Inc. | Method and apparatus for prepaid phone card activation and billing |
US5677955A (en) | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
US5745886A (en) | 1995-06-07 | 1998-04-28 | Citibank, N.A. | Trusted agents for open distribution of electronic money |
KR19990028355A (en) * | 1995-07-06 | 1999-04-15 | 가나이 쓰도무 | Electronic money transfer system |
EP0852038A2 (en) | 1995-07-20 | 1998-07-08 | Dallas Semiconductor Corporation | An electronic micro identification circuit that is inherently bonded to a someone or something |
US5799072A (en) * | 1995-07-21 | 1998-08-25 | Callmanage | Telecommunications call management system |
US5893080A (en) | 1995-07-25 | 1999-04-06 | Bottomline Technologies, Inc. | Disbursement system and method |
US6223168B1 (en) * | 1995-07-25 | 2001-04-24 | Bottomline Technologies, Inc. | Automatic remittance delivery system |
JPH09128529A (en) | 1995-10-30 | 1997-05-16 | Sony Corp | Removing method for noise in digital image based on projection |
US5699528A (en) | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5757917A (en) | 1995-11-01 | 1998-05-26 | First Virtual Holdings Incorporated | Computerized payment system for purchasing goods and services on the internet |
US5657201A (en) | 1995-11-06 | 1997-08-12 | Teletransactions, Inc. | Portable data collection terminal including arm mounting assembly |
CA2192016C (en) | 1995-12-08 | 2003-07-22 | Masayuki Ohki | Method of handling electronic money in automatic cash handling machine |
JPH09212549A (en) | 1996-01-31 | 1997-08-15 | Hitachi Ltd | Method and system for electronic commerce |
US5870718A (en) | 1996-02-26 | 1999-02-09 | Spector; Donald | Computer-printer terminal for producing composite greeting and gift certificate card |
US5832463A (en) | 1996-03-28 | 1998-11-03 | Electronic Data Systems Corporation | Automated system and method for checkless check transaction |
US6044360A (en) * | 1996-04-16 | 2000-03-28 | Picciallo; Michael J. | Third party credit card |
US5815657A (en) | 1996-04-26 | 1998-09-29 | Verifone, Inc. | System, method and article of manufacture for network electronic authorization utilizing an authorization instrument |
US5902983A (en) | 1996-04-29 | 1999-05-11 | International Game Technology | Preset amount electronic funds transfer system for gaming machines |
US5897989A (en) | 1996-07-23 | 1999-04-27 | Beecham; James E. | Method, apparatus and system for verification of infectious status of humans |
US6039245A (en) * | 1996-06-10 | 2000-03-21 | Diebold, Incorporated | Financial transaction processing system and method |
US6015087A (en) * | 1996-10-04 | 2000-01-18 | First Data Corporation | Apparatus and method for leasing documents of value |
US6029150A (en) * | 1996-10-04 | 2000-02-22 | Certco, Llc | Payment and transactions in electronic commerce system |
US5953710A (en) | 1996-10-09 | 1999-09-14 | Fleming; Stephen S. | Children's credit or debit card system |
US5779379A (en) | 1997-03-28 | 1998-07-14 | Interbold | Receipt form handling system for automated banking machine |
US5913202A (en) | 1996-12-03 | 1999-06-15 | Fujitsu Limited | Financial information intermediary system |
US5923016A (en) * | 1996-12-03 | 1999-07-13 | Carlson Companies, Inc. | In-store points redemption system & method |
US5937396A (en) | 1996-12-04 | 1999-08-10 | Konya; Arpad | System for ATM/ATM transfers |
US6199761B1 (en) * | 1996-12-09 | 2001-03-13 | Drexler Technology Corporation | Validation method for electronic cash cards and digital identity cards utilizing optical data storage |
US5878211A (en) | 1996-12-20 | 1999-03-02 | N C R Corporation | Multi-functional retail terminal and associated method |
US6145738A (en) * | 1997-02-06 | 2000-11-14 | Mr. Payroll Corporation | Method and apparatus for automatic check cashing |
US5920848A (en) | 1997-02-12 | 1999-07-06 | Citibank, N.A. | Method and system for using intelligent agents for financial transactions, services, accounting, and advice |
US5963647A (en) | 1997-02-14 | 1999-10-05 | Citicorp Development Center, Inc. | Method and system for transferring funds from an account to an individual |
US6035406A (en) * | 1997-04-02 | 2000-03-07 | Quintet, Inc. | Plurality-factor security system |
US6193152B1 (en) * | 1997-05-09 | 2001-02-27 | Receiptcity.Com, Inc. | Modular signature and data-capture system and point of transaction payment and reward system |
US5828875A (en) | 1997-05-29 | 1998-10-27 | Telefonaktiebolaget Lm Ericsson | Unroll of instructions in a micro-controller |
US5897625A (en) | 1997-05-30 | 1999-04-27 | Capital Security Systems, Inc. | Automated document cashing system |
US6012048A (en) * | 1997-05-30 | 2000-01-04 | Capital Security Systems, Inc. | Automated banking system for dispensing money orders, wire transfer and bill payment |
US5903881A (en) | 1997-06-05 | 1999-05-11 | Intuit, Inc. | Personal online banking with integrated online statement and checkbook user interface |
US5949044A (en) | 1997-06-13 | 1999-09-07 | Walker Asset Management Limited Partnership | Method and apparatus for funds and credit line transfers |
US6018724A (en) * | 1997-06-30 | 2000-01-25 | Sun Micorsystems, Inc. | Method and apparatus for authenticating on-line transaction data |
US6000608A (en) * | 1997-07-10 | 1999-12-14 | Dorf; Robert E. | Multifunction card system |
US5974146A (en) | 1997-07-30 | 1999-10-26 | Huntington Bancshares Incorporated | Real time bank-centric universal payment system |
US5896298A (en) | 1997-08-08 | 1999-04-20 | Carreker-Antinori, Inc. | System and method for providing central notification of issued items |
US5899980A (en) | 1997-08-11 | 1999-05-04 | Trivnet Ltd. | Retail method over a wide area network |
US6292789B1 (en) * | 1997-08-26 | 2001-09-18 | Citibank, N.A. | Method and system for bill presentment and payment |
US5910988A (en) * | 1997-08-27 | 1999-06-08 | Csp Holdings, Inc. | Remote image capture with centralized processing and storage |
US6044362A (en) * | 1997-09-08 | 2000-03-28 | Neely; R. Alan | Electronic invoicing and payment system |
US6030000A (en) * | 1997-09-12 | 2000-02-29 | Diamond Security, Inc. | Negotiable document having enhanced security for deterring fraud by use of a thermochromatic fingerprint image |
US6119931A (en) * | 1997-10-02 | 2000-09-19 | Novogrod; John C. | System and method for requesting and dispensing negotiable instruments |
US6027216A (en) * | 1997-10-21 | 2000-02-22 | The Johns University School Of Medicine | Eye fixation monitor and tracker |
US6047268A (en) | 1997-11-04 | 2000-04-04 | A.T.&T. Corporation | Method and apparatus for billing for transactions conducted over the internet |
US6119106A (en) | 1997-11-26 | 2000-09-12 | Mersky; Randy | Method and apparatus for facilitating customer payments to creditors from a remote site |
US5930773A (en) * | 1997-12-17 | 1999-07-27 | Avista Advantage, Inc. | Computerized resource accounting methods and systems, computerized utility management methods and systems, multi-user utility management methods and systems, and energy-consumption-based tracking methods and systems |
US5953709A (en) | 1998-02-19 | 1999-09-14 | Labor Ready, Inc. | Automated voucher cash-out system and method |
US6206283B1 (en) * | 1998-12-23 | 2001-03-27 | At&T Corp. | Method and apparatus for transferring money via a telephone call |
US6601038B1 (en) * | 1998-07-20 | 2003-07-29 | Usa Technologies, Inc. | Delivery of goods and services resultant from an electronic commerce transaction by way of a pack and ship type company |
US6011833A (en) * | 1998-08-11 | 2000-01-04 | Florafax International, Inc | Talking bouquet |
US6343279B1 (en) * | 1998-08-26 | 2002-01-29 | American Management Systems, Inc. | System integrating credit card transactions into a financial management system |
US6175823B1 (en) * | 1998-09-15 | 2001-01-16 | Amazon.Com, Inc. | Electronic gift certificate system |
US6360254B1 (en) * | 1998-09-15 | 2002-03-19 | Amazon.Com Holdings, Inc. | System and method for providing secure URL-based access to private resources |
DE19857778A1 (en) * | 1998-12-04 | 2000-06-08 | Francotyp Postalia Gmbh | Processing variable service data structures and display text in processing module for franking machine or postage weighing machine uses microprocessor to access memory areas containing display texts and data for calculations |
US6510453B1 (en) * | 1999-02-26 | 2003-01-21 | Microsoft Corporation | System and method for creating and inserting multiple data fragments into an electronic mail message |
US6554184B1 (en) * | 1999-05-07 | 2003-04-29 | Carl Raymond Amos | Automatic instant money transfer machine |
US6386444B1 (en) * | 1999-07-30 | 2002-05-14 | First Usa Bank, N.A. | System and methods for card payment instrument with rebate applied to an insurance premium |
US6547132B1 (en) * | 1999-08-09 | 2003-04-15 | First Data Corporation | Point of sale payment terminal |
US7085739B1 (en) * | 1999-10-20 | 2006-08-01 | Accenture Llp | Method and system for facilitating, coordinating and managing a competitive marketplace |
US6502747B1 (en) * | 1999-10-26 | 2003-01-07 | First Data Corporation | System and method for performing money transfer transaction using TCP/IP |
US6347305B1 (en) * | 1999-10-29 | 2002-02-12 | E-Duction, Inc. | Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce |
US7426492B1 (en) | 1999-11-05 | 2008-09-16 | American Express Travel Related Services Company, Inc. | Systems and methods for facilitating commercial transactions between parties residing at remote locations |
US6363357B1 (en) * | 1999-12-29 | 2002-03-26 | Pitney Bowes, Inc. | Method and apparatus for providing authorization to make multiple copies of copyright protected products purchased in an online commercial transaction |
US6847947B1 (en) * | 2000-01-18 | 2005-01-25 | First Data Corporation | Method and system for reduced cost debit processing |
AU2001236812A1 (en) | 2000-02-09 | 2001-08-20 | Internetcash.Com | Method and system for making anonymous electronic payments on the world wide web |
US10521782B2 (en) * | 2000-05-15 | 2019-12-31 | Efunds Corporation | System for and method of effecting an electronic transaction |
US7599847B2 (en) * | 2000-06-09 | 2009-10-06 | Airport America | Automated internet based interactive travel planning and management system |
WO2002005192A1 (en) | 2000-07-11 | 2002-01-17 | Citicorp Credit Services, Inc. | Method and system for on-line payments |
AU2001288343A1 (en) | 2000-08-22 | 2002-03-04 | Citibank, N.A. | Method and system for payment over the internet |
US20020069166A1 (en) * | 2000-09-15 | 2002-06-06 | Moreau Lawrence R. | Method and system for facilitating buying and selling transactions |
US20020076018A1 (en) * | 2000-12-15 | 2002-06-20 | Banks Diane K. | Pre-purchased phone minutes service |
US20020120582A1 (en) * | 2001-02-26 | 2002-08-29 | Stephen Elston | Method for establishing an electronic commerce account |
-
2001
- 2001-03-31 US US09/823,697 patent/US7165052B2/en not_active Expired - Lifetime
- 2001-11-09 US US09/990,702 patent/US7092916B2/en not_active Expired - Lifetime
- 2001-12-10 US US10/007,701 patent/US7158955B2/en not_active Expired - Lifetime
-
2002
- 2002-03-19 AU AU2002254293A patent/AU2002254293A1/en not_active Abandoned
- 2002-03-19 WO PCT/US2002/008425 patent/WO2002079926A2/en not_active Application Discontinuation
-
2006
- 2006-06-30 US US11/479,141 patent/US20070016524A1/en not_active Abandoned
Patent Citations (6)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6334108B1 (en) * | 1989-05-01 | 2001-12-25 | Catalina Marketing International, Inc. | Method and system for selective incentive point-of-sale marketing in response to customer shopping histories |
US6282522B1 (en) * | 1997-04-30 | 2001-08-28 | Visa International Service Association | Internet payment system using smart card |
WO2001075744A1 (en) * | 2000-04-03 | 2001-10-11 | Incogno Corporation | Method of and system for effecting anonymous credit card purchases over the internet |
WO2001086600A2 (en) * | 2000-05-12 | 2001-11-15 | Logo Hardware- & Internet-Service Gmbh | Payment card and method for conducting transactions using a payment card |
US20020087469A1 (en) * | 2000-12-28 | 2002-07-04 | Ravi Ganesan | Technique of registration for and direction of electronic payments in real-time |
US20020087337A1 (en) * | 2000-12-29 | 2002-07-04 | Hensley David W. | System to ensure customer privacy in an e-business |
Also Published As
Publication number | Publication date |
---|---|
US7165052B2 (en) | 2007-01-16 |
AU2002254293A1 (en) | 2002-10-15 |
US7158955B2 (en) | 2007-01-02 |
US20020143709A1 (en) | 2002-10-03 |
US20020143566A1 (en) | 2002-10-03 |
US7092916B2 (en) | 2006-08-15 |
WO2002079926A2 (en) | 2002-10-10 |
US20020143706A1 (en) | 2002-10-03 |
US20070016524A1 (en) | 2007-01-18 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
WO2002079926A3 (en) | Payment service method and system | |
WO2002097684A3 (en) | A method for performing a secure cash-free payment transaction and a cash-free payment system | |
WO2003003155A3 (en) | Consolidated payment account system and method | |
EP1239391A3 (en) | Conducting transactions | |
AU2087099A (en) | System and method for controlling financial transactions over a wireless network | |
WO2001046918A3 (en) | Method and system for secure authenticated payment on a computer network | |
WO2003065178A3 (en) | Method and system for providing multiple services via a point-of-sale portal architecture | |
EP4236188A3 (en) | Computer-implemented system and method suitable for increasing the security of instant off-line blockchain transactions | |
MXPA02002375A (en) | Method of and system for making purchases over a computer network. | |
US20050097015A1 (en) | Electronic financial transactions with portable merchant accounts | |
US20020099656A1 (en) | Electronic funds transfer system for processing multiple currency transactions | |
WO2001008066A9 (en) | Electronic purchase of goods over a communication network including physical delivery while securing private and personal information | |
WO2001071452A3 (en) | Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments | |
WO2002088874A3 (en) | Method and system for micropayment transactions | |
EP1132797A3 (en) | Method for securing user identification in on-line transaction systems | |
MXPA04001796A (en) | Financial transaction system and method using electronic messaging. | |
CA2218257A1 (en) | Secure method and system for communicating a list of credit card numbers over a non-secure network | |
HK1004248A1 (en) | Electronic transfer method | |
AU2002214109A1 (en) | Secure telematics payment method | |
WO2007016114A3 (en) | Methods and systems for improved security for financial transactions through a trusted third party entity | |
EP1176536A3 (en) | Virtual print market place | |
WO2002101512A3 (en) | Customer identification, loyalty and merchant payment gateway system | |
PT1003139E (en) | System and method for loading a stored-value card. | |
GB2375637A (en) | Method of conducting transactions over a network | |
WO2003058391A3 (en) | Wireless network micropayment financial transaction processing |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A2 Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ OM PH PL PT RO RU SD SE SG SI SK SL TJ TM TN TR TT TZ UA UG US UZ VN YU ZA ZM ZW |
|
AL | Designated countries for regional patents |
Kind code of ref document: A2 Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG |
|
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
REG | Reference to national code |
Ref country code: DE Ref legal event code: 8642 |
|
122 | Ep: pct application non-entry in european phase | ||
NENP | Non-entry into the national phase |
Ref country code: JP |
|
WWW | Wipo information: withdrawn in national office |
Country of ref document: JP |