CA2295615A1 - Systeme et procede de paiement automatise - Google Patents

Systeme et procede de paiement automatise Download PDF

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Publication number
CA2295615A1
CA2295615A1 CA002295615A CA2295615A CA2295615A1 CA 2295615 A1 CA2295615 A1 CA 2295615A1 CA 002295615 A CA002295615 A CA 002295615A CA 2295615 A CA2295615 A CA 2295615A CA 2295615 A1 CA2295615 A1 CA 2295615A1
Authority
CA
Canada
Prior art keywords
accepting
payment
merchant
customer identifier
forwarding
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
CA002295615A
Other languages
English (en)
Inventor
Barbara S. Johnson
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.)
Advanceme Inc
Original Assignee
Individual
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
Priority claimed from US08/890,398 external-priority patent/US6826544B1/en
Application filed by Individual filed Critical Individual
Publication of CA2295615A1 publication Critical patent/CA2295615A1/fr
Abandoned legal-status Critical Current

Links

Classifications

    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—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
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

L'invention concerne des systèmes et procédés de paiement automatisé faisant appel à des systèmes d'autorisation de prélèvements de consommateur, de compensation et de règlement pour permettre à un commerçant de réduire ou de supprimer une somme due à une autre entité pour des services, des produits et/ou des avances de fonds fournis au commerçant. Après l'acceptation d'un identificateur de consommateur (par exemple un numéro de compte de carte de crédit, de débit, à puce, de paiement, etc.) comme paiement par le consommateur, les données relatives au paiement sont transmises à un processeur commerçant. Le processeur commerçant acquiert les données relatives au paiement, les traite et transmet au moins une partie du paiement à un destinataire comme paiement d'au moins une partie de la somme due par le commerçant. Le destinataire reçoit la partie du paiement transmise par le processeur commerçant et transfère cette partie sur la somme due par le commerçant afin de réduire ou de supprimer le montant impayé.
CA002295615A 1997-07-09 1998-06-26 Systeme et procede de paiement automatise Abandoned CA2295615A1 (fr)

Applications Claiming Priority (5)

Application Number Priority Date Filing Date Title
US08/890,398 US6826544B1 (en) 1997-07-09 1997-07-09 Automated loan repayment
US4606298A 1998-03-23 1998-03-23
US09/046,062 1998-03-23
US08/890,398 1998-03-23
PCT/US1998/013293 WO1999003076A1 (fr) 1997-07-09 1998-06-26 Systeme et procede de paiement automatise

Publications (1)

Publication Number Publication Date
CA2295615A1 true CA2295615A1 (fr) 1999-01-21

Family

ID=26723521

Family Applications (2)

Application Number Title Priority Date Filing Date
CA002295615A Abandoned CA2295615A1 (fr) 1997-07-09 1998-06-26 Systeme et procede de paiement automatise
CA002295613A Abandoned CA2295613A1 (fr) 1997-07-09 1998-06-26 Remboursement de pret automatise

Family Applications After (1)

Application Number Title Priority Date Filing Date
CA002295613A Abandoned CA2295613A1 (fr) 1997-07-09 1998-06-26 Remboursement de pret automatise

Country Status (5)

Country Link
EP (2) EP0995174A1 (fr)
JP (2) JP2001509628A (fr)
AU (2) AU7988598A (fr)
CA (2) CA2295615A1 (fr)
WO (2) WO1999003076A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7536325B2 (en) 2002-09-30 2009-05-19 Canadian National Railway Company Method and system for generating account reconciliation data

Families Citing this family (24)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6978250B1 (en) 1998-05-22 2005-12-20 Citicorp Development Center, Inc. System and method for automated electronic scrip transactions
EP0959440A3 (fr) * 1998-05-22 2000-05-17 Citicorp Development Center, Inc. Système et méthode pour transactions automatisées par coupons électroniques
EP1087350A1 (fr) * 1999-09-22 2001-03-28 Trintech Limited Méthode pour transferts de paiement sécurisés
WO2001022374A1 (fr) * 1999-09-22 2001-03-29 Trintech Limited Procede de transfert de paiements securise
KR20020016716A (ko) * 2000-08-26 2002-03-06 김성호 금융 대출 서비스와 연계된 물품 판매방법
KR20020059478A (ko) * 2001-01-06 2002-07-13 여 성 규 인터넷 쇼핑몰 피지 가맹업체를 위한 단기대출 서비스제공방법
US9830651B1 (en) 2014-01-29 2017-11-28 Square, Inc. Crowdfunding framework
US9786005B1 (en) 2014-05-26 2017-10-10 Square, Inc. System and methods for financing merchant business needs
US9727912B1 (en) 2014-05-26 2017-08-08 Square, Inc. Approaches for merchant financing
US10445826B1 (en) 2014-05-26 2019-10-15 Square, Inc. Merchant financing system
US9984412B1 (en) 2014-05-26 2018-05-29 Square, Inc. Approaches to location based merchant financing
US10565642B1 (en) 2014-10-23 2020-02-18 Square, Inc. Inventory management with capital advance
US9836786B1 (en) 2014-11-13 2017-12-05 Square, Inc. Intelligent division of funds across merchant accounts
US10902512B1 (en) 2015-01-22 2021-01-26 Square, Inc. Third party merchant financing
US9824394B1 (en) 2015-02-06 2017-11-21 Square, Inc. Payment processor financing of customer purchases
US10019698B1 (en) 2015-02-13 2018-07-10 Square, Inc. Merchant cash advance payment deferrals
US9773242B1 (en) 2015-03-19 2017-09-26 Square, Inc. Mobile point-of-sale crowdfunding
US9892458B1 (en) 2015-03-31 2018-02-13 Square, Inc. Invoice financing and repayment
US9779432B1 (en) 2015-03-31 2017-10-03 Square, Inc. Invoice financing and repayment
US10453086B1 (en) 2015-04-01 2019-10-22 Square, Inc. Individualized incentives to improve financing outcomes
US10685342B2 (en) * 2015-12-03 2020-06-16 Mastercard International Incorporated Systems and methods for use in routing funds, associated with transactions, to direct-pay accounts
CN106886887B (zh) * 2015-12-15 2020-10-02 阿里巴巴集团控股有限公司 一种账户间应用数据交互控制方法及装置
US10796363B1 (en) 2017-11-15 2020-10-06 Square, Inc. Customized financing based on transaction information
US10692140B1 (en) 2017-11-15 2020-06-23 Square, Inc. Customized financing based on transaction information

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4774664A (en) * 1985-07-01 1988-09-27 Chrysler First Information Technologies Inc. Financial data processing system and method
JPS63276669A (ja) * 1987-05-08 1988-11-14 Fujitsu Ltd 自動支払システム
FR2642202B1 (fr) * 1989-01-25 1994-02-18 Urba 2000 Systeme de paiement electronique de transports et de services publics par cartes a microcircuit
WO1992006438A1 (fr) * 1990-10-01 1992-04-16 Bush Thomas A Systeme de traitement de transaction
DE4136320A1 (de) * 1990-11-05 1993-03-04 Anthony Asher Finanzinstrument
US5466919A (en) * 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
GB2285705B (en) * 1993-11-30 1998-04-15 Schlumberger Ind Ltd Prepayment systems
JPH08214281A (ja) * 1995-02-06 1996-08-20 Sony Corp 課金方法および課金システム
NL1001387C2 (nl) * 1995-10-10 1997-04-11 Nederland Ptt Stelsel voor het elektronisch bestellen en betalen van diensten via een communicatienetwerk.

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7536325B2 (en) 2002-09-30 2009-05-19 Canadian National Railway Company Method and system for generating account reconciliation data

Also Published As

Publication number Publication date
JP2001509629A (ja) 2001-07-24
AU7988598A (en) 1999-02-08
EP0995173A1 (fr) 2000-04-26
EP0995174A1 (fr) 2000-04-26
CA2295613A1 (fr) 1999-01-21
WO1999003075A1 (fr) 1999-01-21
WO1999003076A1 (fr) 1999-01-21
JP2001509628A (ja) 2001-07-24
AU8169698A (en) 1999-02-08

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Legal Events

Date Code Title Description
FZDE Discontinued