AU5403296A - Electronic payment method for purchase-related transactions over a computer network - Google Patents

Electronic payment method for purchase-related transactions over a computer network

Info

Publication number
AU5403296A
AU5403296A AU54032/96A AU5403296A AU5403296A AU 5403296 A AU5403296 A AU 5403296A AU 54032/96 A AU54032/96 A AU 54032/96A AU 5403296 A AU5403296 A AU 5403296A AU 5403296 A AU5403296 A AU 5403296A
Authority
AU
Australia
Prior art keywords
payment
retailer
customer
server
slip
Prior art date
Legal status (The legal status 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 status listed.)
Abandoned
Application number
AU54032/96A
Inventor
Gerard Ben Dahan
Paul-Andre Pays
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
G C Tech
Original Assignee
G C Tech
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 G C Tech filed Critical G C Tech
Publication of AU5403296A publication Critical patent/AU5403296A/en
Abandoned legal-status Critical Current

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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/047—Payment circuits using payment protocols involving electronic receipts
    • 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
    • G06Q20/38—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

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

A method using an open communication network (10) to which retailer server stations (20) and customer stations (30) are connected. According to the method, a retailer server station generates a payment slip for the planned purchase transaction between the retailer and a customer, which slip comprises data on the retailer, the customer, the purchased item or service and the price; the payment slip is transmitted over the network to a payment server station (40); the payment server automatically checks whether the payment of said price is authorised for the customer in question, by querying the client's personal account set up in the payment server for paying small amounts, or, in the case of larger amounts, by making a query over a banking network (50) separate from the computer network (10); if the payment is authorised, the payment server generates a cash voucher comprising at least some of the data on the payment slip; and the cash voucher is transmitted to the retailer to enable the purchase to go ahead.
AU54032/96A 1995-04-14 1996-04-03 Electronic payment method for purchase-related transactions over a computer network Abandoned AU5403296A (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
FR9504533 1995-04-14
FR9504533A FR2733068B1 (en) 1995-04-14 1995-04-14 ELECTRONIC PAYMENT METHOD FOR PERFORMING TRANSACTIONS RELATED TO THE PURCHASE OF GOODS ON A COMPUTER NETWORK
PCT/FR1996/000500 WO1996032701A1 (en) 1995-04-14 1996-04-03 Electronic payment method for purchase-related transactions over a computer network

Publications (1)

Publication Number Publication Date
AU5403296A true AU5403296A (en) 1996-10-30

Family

ID=9478147

Family Applications (1)

Application Number Title Priority Date Filing Date
AU54032/96A Abandoned AU5403296A (en) 1995-04-14 1996-04-03 Electronic payment method for purchase-related transactions over a computer network

Country Status (13)

Country Link
EP (1) EP0820620B1 (en)
JP (1) JPH11511876A (en)
CN (1) CN1184546A (en)
AT (1) ATE177861T1 (en)
AU (1) AU5403296A (en)
BR (1) BR9604910A (en)
CA (1) CA2217739A1 (en)
DE (1) DE69601787T2 (en)
ES (1) ES2129962T3 (en)
FR (1) FR2733068B1 (en)
IL (1) IL117861A0 (en)
WO (1) WO1996032701A1 (en)
ZA (1) ZA962871B (en)

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US7752098B2 (en) 2000-10-13 2010-07-06 Mitsubishi Denki Kabushiki Kaisha Information terminal apparatus

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Publication number Priority date Publication date Assignee Title
US7752098B2 (en) 2000-10-13 2010-07-06 Mitsubishi Denki Kabushiki Kaisha Information terminal apparatus

Also Published As

Publication number Publication date
FR2733068B1 (en) 1997-07-04
WO1996032701A1 (en) 1996-10-17
ATE177861T1 (en) 1999-04-15
CN1184546A (en) 1998-06-10
ES2129962T3 (en) 1999-06-16
DE69601787T2 (en) 1999-08-12
EP0820620A1 (en) 1998-01-28
BR9604910A (en) 2000-04-25
EP0820620B1 (en) 1999-03-17
JPH11511876A (en) 1999-10-12
IL117861A0 (en) 1996-08-04
DE69601787D1 (en) 1999-04-22
ZA962871B (en) 1996-07-29
MX9707918A (en) 1998-07-31
CA2217739A1 (en) 1996-10-17
FR2733068A1 (en) 1996-10-18

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Legal Events

Date Code Title Description
MK5 Application lapsed section 142(2)(e) - patent request and compl. specification not accepted