WO2006018709A1 - Improved security for bank card payments - Google Patents

Improved security for bank card payments Download PDF

Info

Publication number
WO2006018709A1
WO2006018709A1 PCT/IB2005/002455 IB2005002455W WO2006018709A1 WO 2006018709 A1 WO2006018709 A1 WO 2006018709A1 IB 2005002455 W IB2005002455 W IB 2005002455W WO 2006018709 A1 WO2006018709 A1 WO 2006018709A1
Authority
WO
WIPO (PCT)
Prior art keywords
intermediary
cardholder
vendor
voucher
payment
Prior art date
Application number
PCT/IB2005/002455
Other languages
French (fr)
Inventor
Gary John Kamp
Original Assignee
Gary John Kamp
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 Gary John Kamp filed Critical Gary John Kamp
Publication of WO2006018709A1 publication Critical patent/WO2006018709A1/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
    • G06Q20/02—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
    • G06Q20/08—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
    • G06Q20/385—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
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
    • 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

Definitions

  • the invention relates to a method of providing improved security for bank card payments, in particular for Internet transactions.
  • a method of providing a bank card payment for a transaction between the cardholder and a vendor over a communications network wherein the cardholder provides payment enabling details of the bank card to an intermediary, the intermediary is provided with the details of the intended transaction, and the intermediary arranges payment to the vendor.
  • the invention further provides for the intermediary to issue the cardholder with a voucher, for the cardholder to provide the vendor with the voucher, and for the intermediary to effect payment to the vendor on presentation of the voucher.
  • the voucher to be electronic; for the voucher to include a code; and for either the cardholder or intermediary to select the code.
  • the intermediary to be a dedicated independent entity; or for the intermediary to be a bank from which the card is issued. Further features of the invention provide for the communications network to be selected from the Internet, a telecommunications network, and any combination thereof; and for the bank card to be a credit card or a debit card.
  • Further features of the invention provide for the payment enabling details to include the card number and name of the cardholder; and for the cardholder or vendor to provide the intermediary with the details of the intended transaction.
  • vendor is to be given a broad meaning in the context of this specification. It will include any person or entity which offers goods, services, accommodation or any other offering in return for payment.
  • Figure 1 which is a schematic illustration of the method.
  • the payment is for a transaction between a cardholder (3) and a vendor (5).
  • the transaction is initiated over the Internet (7).
  • the vendor (5) has a website where it offers products for sale.
  • the cardholder (3) selects a particular product which he wants to purchase.
  • the cardholder (3) would provide the vendor (5) with payment enabling details of a bank card. Sufficient details are normally the card number and the cardholder's (3) name.
  • the cardholder (3) would also provide an address for delivery of the selected product.
  • a payment on the bank card to the vendor (5) can be processed from the bank (9) of the cardholder (3).
  • the cardholder (3) need only provide the vendor (5) with a delivery address and identify an intended transaction.
  • the details of an intermediary (11 ) may also be provided.
  • the cardholder (3) provides his name and the card number to the intermediary (11). Along with this information, relevant details of the intended transaction with the vendor (5) are also provided. The intermediary (11) will then obtain payment of the relevant funds from the bank (9). Payment of the amount owing to the vendor (5) in terms of the specific transaction is then made by the intermediary
  • the vendor (5) may be prepared to dispatch (13) the product once the intermediary (11) has confirmed its participation in the transaction. In this case, payment to the vendor (5) will be guaranteed by the intermediary (11) before it is effected.
  • the sequence and nature of the information transferred in communications between the parties, (3) and (5), and the intermediary (11) may be varied in a number of ways to conclude such a transaction.
  • the intermediary (11 ) after it has been contacted and provided with the relevant details, issues the cardholder (3) with a pin number for the transaction.
  • the pin number will be issued once the intermediary (11) has secured payment of the amount in question from the bank (9).
  • the cardholder (3) then provides the vendor (5) with the pin number.
  • the intermediary (11) will, in turn, pay over the amount due to the vendor (5) on presentation of the pin number.
  • the unique pin number is a voucher which enables the transaction without the cardholder (3) having to disclose any bank card details to the vendor (5).
  • the pin number represents a code and it will be appreciated that such a code can take any of a number of forms. Such codes are however conveniently alpha ⁇ numeric.
  • the cardholder can be allowed to select his own code for a particular transaction.
  • the cardholder (3) will preferably register as a user with the intermediary (11). This will involve, amongst others, providing the intermediary (11) with contact details, which will include a mobile telephone number.
  • the cardholder (3) When a payment is to be made, the cardholder (3) provides his name and the card number to the intermediary (11). Along with this information, relevant details of the intended transaction with the vendor (5) together with the amount in question are also provided.
  • the intermediary (11) will request and obtain authorization for the amount from the bank or card company. Based on this, the intermediary (11) will issue a secure electronic purchase voucher to the cardholder (3).
  • the voucher which may also carry a unique code, is preferably electronic and sent by email to the cardholder's email address.
  • the intermediary (11) will first contact the cardholder (3) by sending a short message service (SMS). This will be a request to confirm that the voucher should be issued. A return SMS from the handset will thus clear the issue of the voucher.
  • SMS may include a code which the cardholder must phone in to the intermediary (11).
  • the details of the intended transaction which are provided to the intermediary may vary and can come from either the cardholder (3), the vendor (5) or both.
  • the bank card can be a debit or a credit card and the payment enabling details may be varied.
  • the intermediary (11) may also be the bank (9).
  • the bank (9) also operates as intermediary (11 ) by offering the service as described.
  • the bank (9) acts in both capacities and the communications between the intermediary (11) and the bank can be internal communications.
  • the invention will also apply where a bank card is used to secure goods or services where the vendor does not obtain payment on the bank card. In these circumstances, the cardholder will pay the vendor directly at a later stage when appropriate.
  • this method is not limited to Internet transactions for purchase of goods but will also apply to transactions effected verbally over the telephone, in writing by telefax or in any other manner and for services or anything else offered at a price.
  • a cardholder will also be able to have a specific amount of money cleared for payment by the intermediary and have a code issued prior to deciding what the transaction will be.

Abstract

The invention is a method of providing a secure bank card payment for a transaction between the cardholder and a vendor over a communications network. The communications network will include the Internet, a telecommunications network, and any combination thereof. A cardholder provides payment enabling details of the bank card only to an intermediary rather than to the vendor. The intermediary is also provided with the details of the intended transaction and it is the intermediary that arranges payment to the vendor. The intermediary will issue the cardholder with an electronic voucher by email, preferably, only after the cardholder has been contacted by short message service (SMS) and confirms that the voucher must be issued. The cardholder provides the vendor with the voucher at which time the goods may be dispatched for delivery. The intermediary in turn pays the vendor when it receives the voucher back. The intermediary may be a dedicated independent entity or a bank from which the card is issued.

Description

IMPROVED SECURITY FOR BANK CARD PAYMENTS
FIELD OF THE INVENTION
The invention relates to a method of providing improved security for bank card payments, in particular for Internet transactions.
BACKGROUND TO THE INVENTION
The use of bank cards to effect payments is ever increasing. Not only does this avoid the need to carry cash, but it also, probably more importantly, allows payment to be effected over the telephone or Internet. However, to do the latter requires that a cardholder disclose, along with his name, his card number. With these details, a payee can process a legitimate payment. Where these details fall into the wrong hands large amounts of money can be fraudulently stolen. Accordingly, there is some reluctance to disclose details which enable payment especially over the Internet where security and privacy is a problem. OBJECT OF THE INVENTION
It is an object of this invention to provide a method which at least partially reduces the risk of disclosing bank card details.
SUMMARY OF THE INVENTION
In accordance with this invention there is provided a method of providing a bank card payment for a transaction between the cardholder and a vendor over a communications network, wherein the cardholder provides payment enabling details of the bank card to an intermediary, the intermediary is provided with the details of the intended transaction, and the intermediary arranges payment to the vendor.
The invention further provides for the intermediary to issue the cardholder with a voucher, for the cardholder to provide the vendor with the voucher, and for the intermediary to effect payment to the vendor on presentation of the voucher.
Further features of the invention provide for the intermediary to contact the cardholder and for the cardholder to confirm that the voucher must be issued; and for the intermediary to contact the cardholder on a mobile phone by short message service (SMS).
Further features of the invention provide for the voucher to be electronic; for the voucher to include a code; and for either the cardholder or intermediary to select the code.
Further features of the invention provide for the intermediary to be a dedicated independent entity; or for the intermediary to be a bank from which the card is issued. Further features of the invention provide for the communications network to be selected from the Internet, a telecommunications network, and any combination thereof; and for the bank card to be a credit card or a debit card.
Further features of the invention provide for the payment enabling details to include the card number and name of the cardholder; and for the cardholder or vendor to provide the intermediary with the details of the intended transaction.
The word "vendor" is to be given a broad meaning in the context of this specification. It will include any person or entity which offers goods, services, accommodation or any other offering in return for payment.
BRIEF DESCRIPTION OF THE DRAWINGS
The invention will now be described, by way of example only, with reference to the accompanying drawing
Figure 1 which is a schematic illustration of the method.
DETAILED DESCRIPTION OF THE INVENTION
With reference to Figure 1 , the method of providing improved security for bank card payments is indicated generally by the reference numeral (1).
The payment is for a transaction between a cardholder (3) and a vendor (5). In this embodiment, the transaction is initiated over the Internet (7). The vendor (5) has a website where it offers products for sale. The cardholder (3) selects a particular product which he wants to purchase. In the ordinary course of events, the cardholder (3) would provide the vendor (5) with payment enabling details of a bank card. Sufficient details are normally the card number and the cardholder's (3) name. The cardholder (3) would also provide an address for delivery of the selected product.
Once the vendor (5) has the payment enabling details, a payment on the bank card to the vendor (5) can be processed from the bank (9) of the cardholder (3).
In accordance with the invention, however, the cardholder (3) need only provide the vendor (5) with a delivery address and identify an intended transaction. The details of an intermediary (11 ) may also be provided.
The cardholder (3) provides his name and the card number to the intermediary (11). Along with this information, relevant details of the intended transaction with the vendor (5) are also provided. The intermediary (11) will then obtain payment of the relevant funds from the bank (9). Payment of the amount owing to the vendor (5) in terms of the specific transaction is then made by the intermediary
(11), whereupon the vendor (5) will dispatch (13) the selected product for delivery.
Where the intermediary (11 ) is suitably accredited, the vendor (5) may be prepared to dispatch (13) the product once the intermediary (11) has confirmed its participation in the transaction. In this case, payment to the vendor (5) will be guaranteed by the intermediary (11) before it is effected.
It will be appreciated that the sequence and nature of the information transferred in communications between the parties, (3) and (5), and the intermediary (11) may be varied in a number of ways to conclude such a transaction. In one such variation, the intermediary (11 ), after it has been contacted and provided with the relevant details, issues the cardholder (3) with a pin number for the transaction. The pin number will be issued once the intermediary (11) has secured payment of the amount in question from the bank (9). The cardholder (3) then provides the vendor (5) with the pin number. The intermediary (11) will, in turn, pay over the amount due to the vendor (5) on presentation of the pin number.
In this case, the unique pin number is a voucher which enables the transaction without the cardholder (3) having to disclose any bank card details to the vendor (5). The pin number represents a code and it will be appreciated that such a code can take any of a number of forms. Such codes are however conveniently alpha¬ numeric. As an alternative to being issued with a code, the cardholder can be allowed to select his own code for a particular transaction.
In another variation, the cardholder (3) will preferably register as a user with the intermediary (11). This will involve, amongst others, providing the intermediary (11) with contact details, which will include a mobile telephone number.
When a payment is to be made, the cardholder (3) provides his name and the card number to the intermediary (11). Along with this information, relevant details of the intended transaction with the vendor (5) together with the amount in question are also provided. The intermediary (11) will request and obtain authorization for the amount from the bank or card company. Based on this, the intermediary (11) will issue a secure electronic purchase voucher to the cardholder (3). The voucher, which may also carry a unique code, is preferably electronic and sent by email to the cardholder's email address. As a precaution, the intermediary (11) will first contact the cardholder (3) by sending a short message service (SMS). This will be a request to confirm that the voucher should be issued. A return SMS from the handset will thus clear the issue of the voucher. Alternatively, the SMS may include a code which the cardholder must phone in to the intermediary (11).
Presentation of the voucher to the vendor (5) will be followed by the dispatch (13) of the goods in question for delivery to the cardholder (3). In this case, payment to the vendor (5) is made when it forwards or communicates details of the voucher to the intermediary (11). The voucher, once it is issued can simply be forwarded as an email or email attachment from the cardholder (3) to the vendor (5) and back to the intermediary (11 ).
Essential to the method of this invention is that the cardholder (3) need only provide full payment enabling details of the bank card to the secure intermediary (11). Necessary online security precautions, which are within the competence of a suitably skilled person, will be provided by the intermediary. The high level of security, reputation and possibly cover in the event of fraudulent loss can be provided by the intermediary (11). The same cannot be said of every vendor (5) with whom a cardholder (3) may potentially wish to enter a transaction.
The details of the intended transaction which are provided to the intermediary may vary and can come from either the cardholder (3), the vendor (5) or both. The bank card can be a debit or a credit card and the payment enabling details may be varied.
It will be appreciated that the intermediary (11) may also be the bank (9). In this case the bank (9) also operates as intermediary (11 ) by offering the service as described. The bank (9) acts in both capacities and the communications between the intermediary (11) and the bank can be internal communications.
The invention will also apply where a bank card is used to secure goods or services where the vendor does not obtain payment on the bank card. In these circumstances, the cardholder will pay the vendor directly at a later stage when appropriate.
While the described embodiment makes use of the Internet as a communications network, it will be appreciated that a telecommunications network may also be used, either exclusively or in combination with the Internet.
Accordingly this method is not limited to Internet transactions for purchase of goods but will also apply to transactions effected verbally over the telephone, in writing by telefax or in any other manner and for services or anything else offered at a price.
A cardholder will also be able to have a specific amount of money cleared for payment by the intermediary and have a code issued prior to deciding what the transaction will be.
A number of other variations, which do not depart from the scope of this invention, will be appreciated by a person skilled in the art.

Claims

1. A method of providing a bank card payment for a transaction between the cardholder and a vendor over a communications network, characterized in that the cardholder provides payment enabling details of the bank card to an intermediary, the intermediary is provided with the details of the intended transaction, and the intermediary arranges payment to the vendor.
2. A method as claimed in claim 1 in which the intermediary issues the cardholder with a voucher, the cardholder provides the vendor with the voucher, and the intermediary effects payment to the vendor on presentation of the voucher.
3. A method as claimed in claim 2 in which the intermediary contacts the cardholder and the cardholder confirms that the voucher must be issued.
4. A method as claimed in claim 3 in which the intermediary contacts the cardholder on a mobile phone by short message service (SMS).
5. A method as claimed in any of claims 2 to 4 in which the voucher is electronic.
6. A method as claimed in any of claims 2 to 5 in which the voucher includes a code.
7. A method as claimed in claim 5 in which either the cardholder or intermediary select the code.
8. A method as claimed in any of the preceding claims in which the intermediary is a dedicated independent entity.
9. A method as claimed in any one of claims 1 to 6 in which the intermediary is a bank from which the card is issued.
10. A method as claimed in any of the preceding claims in which the Communications network is selected from the Internet, a telecommunications network, and any combination thereof.
11. A method as claimed in any of the preceding claims in which the bank card is a credit card or a debit card.
12. A method as claimed in any of the preceding claims in which the payment enabling details include the card number and name of the cardholder.
13. A method as claimed in any of the preceding claims in which the cardholder or vendor provide the intermediary with the details of the intended transaction.
PCT/IB2005/002455 2004-08-20 2005-08-19 Improved security for bank card payments WO2006018709A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA200401399 2004-08-20
ZA2004/1399 2004-08-20

Publications (1)

Publication Number Publication Date
WO2006018709A1 true WO2006018709A1 (en) 2006-02-23

Family

ID=35124412

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB2005/002455 WO2006018709A1 (en) 2004-08-20 2005-08-19 Improved security for bank card payments

Country Status (2)

Country Link
WO (1) WO2006018709A1 (en)
ZA (1) ZA200701386B (en)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008050132A2 (en) * 2006-10-25 2008-05-02 Payfont Limited Secure authentication and payment system
WO2009094045A2 (en) 2007-08-08 2009-07-30 Phoenix Payment System, Inc. Dba Electronic Payment Exchange (Epx) Payment processor hosted account information
WO2010010062A2 (en) * 2008-07-21 2010-01-28 Andreas Traint Untamperable anonymous payment system
EP2463817A1 (en) * 2010-12-10 2012-06-13 1356382 Alberta Ltd. System and method for the interoperability of different payment or transaction authorization platforms
US8423466B2 (en) 2006-10-25 2013-04-16 Payfont Limited Secure authentication and payment system
EP2702544A2 (en) * 2011-04-25 2014-03-05 Mastercard International, Inc. Methods and systems for offer and dynamic gift verification and redemption

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (en) * 1997-01-06 1998-07-16 Aerotel Ltd. Computerized money transfer system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6029890A (en) * 1998-06-22 2000-02-29 Austin; Frank User-Specified credit card system
GB2352861A (en) * 1999-08-04 2001-02-07 Int Computers Ltd Payment transaction system
EP1077436A2 (en) * 1999-08-19 2001-02-21 Citicorp Development Center, Inc. System and method for performing an on-line transaction using a single-use payment instrument
WO2001013275A1 (en) * 1999-08-13 2001-02-22 Fleetboston Financial Corporation Proxy system for customer confidentiality
GB2359652A (en) * 2000-02-24 2001-08-29 Menachem Mendel Sudak Electronic payment system
WO2003015043A1 (en) * 2001-08-03 2003-02-20 Haltfern Limited A credit card security system

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998030985A2 (en) * 1997-01-06 1998-07-16 Aerotel Ltd. Computerized money transfer system
US5883810A (en) * 1997-09-24 1999-03-16 Microsoft Corporation Electronic online commerce card with transactionproxy number for online transactions
US6029890A (en) * 1998-06-22 2000-02-29 Austin; Frank User-Specified credit card system
GB2352861A (en) * 1999-08-04 2001-02-07 Int Computers Ltd Payment transaction system
WO2001013275A1 (en) * 1999-08-13 2001-02-22 Fleetboston Financial Corporation Proxy system for customer confidentiality
EP1077436A2 (en) * 1999-08-19 2001-02-21 Citicorp Development Center, Inc. System and method for performing an on-line transaction using a single-use payment instrument
GB2359652A (en) * 2000-02-24 2001-08-29 Menachem Mendel Sudak Electronic payment system
WO2003015043A1 (en) * 2001-08-03 2003-02-20 Haltfern Limited A credit card security system

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2008050132A2 (en) * 2006-10-25 2008-05-02 Payfont Limited Secure authentication and payment system
WO2008050132A3 (en) * 2006-10-25 2008-06-26 Payfont Ltd Secure authentication and payment system
US8423466B2 (en) 2006-10-25 2013-04-16 Payfont Limited Secure authentication and payment system
US9530129B2 (en) 2006-10-25 2016-12-27 Payfont Limited Secure authentication and payment system
WO2009094045A2 (en) 2007-08-08 2009-07-30 Phoenix Payment System, Inc. Dba Electronic Payment Exchange (Epx) Payment processor hosted account information
EP2188790A2 (en) * 2007-08-08 2010-05-26 Phoenix Payment Systems, Inc. Dba Electronic Payment Exchange (EPX) Payment processor hosted account information
EP2188790A4 (en) * 2007-08-08 2010-10-27 Phoenix Payment Systems Inc Db Payment processor hosted account information
WO2010010062A2 (en) * 2008-07-21 2010-01-28 Andreas Traint Untamperable anonymous payment system
WO2010010062A3 (en) * 2008-07-21 2010-03-18 Andreas Traint Untamperable anonymous payment system
EP2463817A1 (en) * 2010-12-10 2012-06-13 1356382 Alberta Ltd. System and method for the interoperability of different payment or transaction authorization platforms
EP2702544A2 (en) * 2011-04-25 2014-03-05 Mastercard International, Inc. Methods and systems for offer and dynamic gift verification and redemption
EP2702544A4 (en) * 2011-04-25 2014-11-26 Mastercard International Inc Methods and systems for offer and dynamic gift verification and redemption

Also Published As

Publication number Publication date
ZA200701386B (en) 2008-08-27

Similar Documents

Publication Publication Date Title
US8234172B2 (en) System for securing card payment transactions using a mobile communication device
US7416115B2 (en) Method and system for automated value transfer
TW201241766A (en) ATM/KIOSK cash acceptance
US20010051902A1 (en) Method for performing secure internet transactions
US20130204781A1 (en) Credit card system and method
US8336763B2 (en) System and method for processing transactions
CA2417530A1 (en) A payee account payment system
KR20090108045A (en) Mobile vending purchasing
CN101990770A (en) Ghosting payment account data in a mobile telephone payment transaction system
WO2012027585A2 (en) Authorization of cash delivery
US20070007329A1 (en) System and method for processing transactions
JP2013157036A (en) Methods and systems for enhancing consumer payment
US20130211937A1 (en) Using credit card/bank rails to access a user's account at a pos
AU2016204959A1 (en) A secure electronic financial funds transfer arrangement
WO2002033615A1 (en) Method and apparatus for notifying credit transaction information
WO2019125958A1 (en) Application program interface for conversion of stored value cards
WO2006018709A1 (en) Improved security for bank card payments
US20130218693A1 (en) Obtaining instant credit at a pos with limited information
US20150278782A1 (en) Depositing and withdrawing funds
JP2003168063A (en) Method and system for approving payment in card payment method
WO2007029123A2 (en) System and method for processing transactions
US20140081843A1 (en) Presentation instrument loading
Caudle MyGiftCardSite: The Best Gift for Your Loved One
Ezema et al. An Assessment of Computer Based Transactions in Nigeria
Vatsavayi et al. M-commerce payment systems

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BW BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE EG ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KM KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NA NG NI NO NZ OM PG PH PL PT RO RU SC SD SE SG SK SL SM SY TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): BW GH GM KE LS MW MZ NA SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IS IT LT LU LV MC NL PL PT RO SE SI SK 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
WWE Wipo information: entry into national phase

Ref document number: 200701386

Country of ref document: ZA

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 05772155

Country of ref document: EP

Kind code of ref document: A1

WWW Wipo information: withdrawn in national office

Ref document number: 5772155

Country of ref document: EP

32PN Ep: public notification in the ep bulletin as address of the adressee cannot be established

Free format text: NOTING OF LOSS OF RIGHTS, EPO FORM 1205A DATED 26-09-2007

122 Ep: pct application non-entry in european phase

Ref document number: 05772155

Country of ref document: EP

Kind code of ref document: A1