EP1261947A1 - Systeme de traitement de transaction et son procede de mise en application - Google Patents

Systeme de traitement de transaction et son procede de mise en application

Info

Publication number
EP1261947A1
EP1261947A1 EP01912034A EP01912034A EP1261947A1 EP 1261947 A1 EP1261947 A1 EP 1261947A1 EP 01912034 A EP01912034 A EP 01912034A EP 01912034 A EP01912034 A EP 01912034A EP 1261947 A1 EP1261947 A1 EP 1261947A1
Authority
EP
European Patent Office
Prior art keywords
account
user
currency
processing system
transaction processing
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.)
Withdrawn
Application number
EP01912034A
Other languages
German (de)
English (en)
Inventor
James Timothy Charles Douglas Price
Christa Vanheel
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.)
Infinia IP Ltd
Original Assignee
Infinia IP Ltd
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 Infinia IP Ltd filed Critical Infinia IP Ltd
Publication of EP1261947A1 publication Critical patent/EP1261947A1/fr
Withdrawn legal-status Critical Current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
    • G06Q20/04—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • G—PHYSICS
    • 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

Definitions

  • This invention relates to a transaction processing system and, more particularly, to a transaction processing system for making party-to-party payments and for transferring value between parties in an on-line environment.
  • the invention extends to a method of operation of the transaction processing system.
  • Debit cards on the other hand, whilst not as widely used as credit cards have the advantages of low cost and elimination of the abovementioned charge-back problem.
  • debit cards are not as widely used as credit cards and are rarely accepted for payment for on-line purchases.
  • virtual currency or "e-cash"
  • e-cash virtual currency
  • the conversion of real cash into e-cash is commonly achieved by means of cheque deposits, bank transfers and similar transactions.
  • e-cash accounts The underlying assumption pertaining to e-cash accounts is that a credit balance therein is meant to, and will be, consumed over time. It may happen, however that an e-cash account may have a significant credit balance and that the account holder may wish to withdraw some of the e-cash credit balance as real cash.
  • ATMs automatic teller machines
  • the transfer of funds from one party to another may occur by means of a direct deposit of funds into a banking account of the transferee, or by means of a telegraphic transfer of such funds into the transferee's account.
  • a direct deposit of funds into a banking account of the transferee or by means of a telegraphic transfer of such funds into the transferee's account.
  • it is necessary for the transferor to be in possession of some unique identifier relating to the transferee such as a banking account number and the name and branch of a financial institution at which the transferee's banking account is held.
  • Such a unique identifier is generally specific to the financial institution where the transferee's account is held.
  • a transaction processing system comprising: a register of unauthorized users of the transaction processing system; a real currency account and a virtual currency account corresponding to each user, each account having a balance associated therewith and the real currency account being held at a financial institution; an access facility operable by an authorized user to issue transfer instructions for transferring a predetermined amount of currency between the user's currency accounts; and an administration facility responsive to the transfer instructions, to debit the virtual currency account of the particular user, and to credit that user's real currency account, by the predetermined amount of currency.
  • administration facility to be responsive to the transfer instructions, to also credit the virtual currency account of the user, and to debit that user's real currency account, by the predetermined amount of the currency.
  • the payment system to include a pooled real currency account held at a financial institution, for the pooled currency account to have a balance therein equal to at least the sum of the balances of all the virtual currency accounts of the users, for the administration facility to credit the user's real currency account by transferring the predetermined amount of cash from the pooled real currency account to that user's real currency account, and for the administration facility to debit the user's real currency account by transferring the predetermined amount of currency from that user's real currency account to the pooled real currency account.
  • Yet further features of the invention provide for the access facility to be operable by the authorised user to issue transfer instructions for transferring a predetermined amount of currency from any one of that user's currency accounts to any one of the currency accounts of a different authorized user of the transaction processing system.
  • the access facility to be operable by the authorized user to issue transfer instructions for simultaneously transferring a plurality of different predetermined amounts of currency from any one of the user's currency accounts to any one of the currency accounts of a plurality of corresponding different authorized users of the transaction processing system.
  • the access facility is an Internet Web Site
  • the user's real currency account is accessible by the user at an automated teller machine
  • the user's real currency account is operable by means of a token, alternatively a mobile telephone handset, further alternatively a personal digital assistant
  • the token is a debit card
  • the debit card is a magnetic card
  • the mobile telephone handset and the portable digital assistant have an infra-red communication port
  • the transfer instructions issued by means of the access facility to include a user identification, an identification of a different authorized user to whom currency is to be transferred, the predetermined amount of currency to be transferred, and whether the currency to be transferred is real currency or virtual currency, for the identification of the different authorized user to be paid to be a function of a corresponding account number and an authorization code associated with the account number, and for the authorization code to be a randomly generated number.
  • the transaction processing system to include a transaction database, for the transaction database to contain transaction data associated with each issued transfer instructions executed by the administration facility, and for the transaction data to be accessible and viewable by an authorized user by means of the access facility.
  • the transaction processing system to include a transferor value account corresponding to each authorised user each value account having a value balance associated therewith, for the access facility to be operable by a transferor to issue transfer instructions for transferring a predetermined quantity of value from the transferor value account to a transferee, the transferee being identified in the transfer instructions by a corresponding unique messaging address, and for the administration facility to be responsive to the issued transfer instructions to debit the value balance in the transferor account with the predetermined quantity of value.
  • the register to include a unique messaging address corresponding to each authorized user, the administration facility to automatically credit the value account of the identified transferee with the predetermined amount of value when the transferee is registered as an authorized user of the transaction processing system.
  • the transaction processing system to include a suspense value account for the administration facility to credit the suspense value account with the predetermined quantity of value debited from the value balance in the transferor value account when the identified transferee is not an authorized user of the transaction processing system, and for the administration facility to enable the identified transferee who is not an authorized user of the transfer system to first register as an authorized user and to establish a corresponding value account, prior to crediting the value account of the transferee with the predetermined amount of value and debiting the suspense account with the predetermined amount of value.
  • the value account to be either a real currency account or a virtual currency account
  • the unique messaging address to be an e- mail address
  • for the e-mail address to be an Internet e-mail address
  • the invention extends to a method of operation of a transaction processing system, comprising the steps of: providing a register of authorized users of the transaction processing system;
  • the method includes the additional step of selectively instructing the administration facility to credit the virtual currency account of the user, and to debit that user's real currency account, by the predetermined amount of currency.
  • a pooled real currency account held at a financial institution for operating the pooled currency account to have a balance therein equal to at least the sum of the balances of all the virtual currency accounts of the users, for crediting the user's real currency account by transferring the predetermined amount of cash from the pooled real currency account to that user's real currency account, and for debiting the user's real currency account by transferring the predetermined amount of cash from that user's real currency account to the pooled real currency account.
  • transfer instructions which include a user identification, an identification of a different authorized user to whom currency is to be transferred, the predetermined amount of currency which is to be transferred, and whether the currency to be transferred is real currency or virtual currency, for specifying the identification of the different authorized user to be paid to be a function of a corresponding account number and an authorization code associated with the account number, and for generating the authorization code as a random number.
  • the method includes, optionally, the step of transferring value in an on-line environment, and transferring value by the steps of: providing a transferor value account corresponding to each user, each account having a value balance associated therewith; issuing transfer instructions to transfer a predetermined quantity of value from a transferor value account to a transferee, the transferee being identified in the transfer instructions by a corresponding unique messaging address: and debiting the value balance in the transferor value account with the predetermined quantity of value.
  • the method includes the additional step of providing a suspense value account for crediting the suspense account with the predetermined quantity of value debited from the value balance in the transferor value account when the identified transferee is not an authorized user of the transaction processing system, and for enabling the identified transferee who is not an authorized user to first register as an authorised user and to establish corresponding value account, prior to crediting the value account of the transferee with the predetermined amount of value and debiting the suspense account with the predetermined amount of value.
  • FIG.1 is a schematic representation of a transaction processing system, according to the invention.
  • FIG.2 is a schematic representation of a subset of the transaction processing system of Figure 1 , for transferring value in an on-line environment.
  • a transaction processing system is indicated generally by reference numeral (1).
  • the transaction processing system (1 ) includes a register (2) of authorised users of the transaction processing system, a real currency account (3) and a virtual currency account (4) corresponding to each authorised user, and a pooled real currency account (5).
  • the individual real currency accounts (3) and the pooled real currency account (5) are held at financial institutions and are denominated in any real currency of the user's choice.
  • the virtual currency accounts may be held with any financial institution or other competent agency to suit the needs of a particular application.
  • the payment system (1) includes, further, an administration facility (6) in the form of an application server, which can be accessed by any authorised user through an access facility (7), in this embodiment, an Internet Web sever.
  • the application server (6) is instructable by any authorised user to access and to operated the user's real currency (3) and virtual currency (4) accounts as will be described in detail below.
  • an authorised user wishing to transfer a predetermined amount of money from his real currency account (3) to his virtual currency account (4) must first ensure that there is a sufficient credit balance in his real currency account to cover the predetermined amount of money. If the credit balance is insufficient, the user is required to deposit funds into his real currency account (3) by means of a cheque deposit, bank transfer or similar transaction, which is well known in the art.
  • the user may instruct the administration facility (6) , by submitting transfer instructions through the Internet Web server (7), to debit the user's real currency account (3), and to credit that user's virtual currency account (4), by the predetermined amount of money.
  • the user may wish to transfer a predetermined amount of e-cash from his virtual currency account (4) to his real currency account (3).
  • the prerequisite for this transaction is that there is a sufficient credit balance in the virtual currency account to cover the predetermined amount.
  • the user may instruct the administration facility (6) by submitting transfer instructions to debit the user's virtual currency account (4) and to credit the user's real currency account (3), by the predetermined amount of money.
  • the transactions required above require a real cash balance to be maintained at the financial institutions underlying the operation of the transaction processing system (1).
  • This is achieved by means of the pooled real currency account (5),
  • the pooled real currency account (5) is operated to have a credit balance therein equal to at least the sum of the balances of the virtual currency accounts (4) of all the authorised users of the transaction processing system (1).
  • the administration facility (6) maintains a record of the individual virtual currency account balances for each authorised user of the system.
  • Debiting of the user's real currency account (3) by the predetermined amount entails a transfer of the predetermined amount of cash from each user's real currency account (3) to the pooled real currency account (5).
  • crediting the user's real currency account (3) by the predetermined amount entails a transfer of the predetermined amount of cash from the pooled real currency account (5) to the user's real currency account (3).
  • the transaction processing system (1) may also be used to effect party-to-party payments by submitting transfer instructions through the Internet Web site (7) to the application server (6), specifying an identification of a different authorised user of the system to whom currency is to be paid, the predetermined amount of currency to be transferred, and whether the currency to be transferred is real currency or virtual currency.
  • the authorised user is a merchant, such as a stockbroker, who wishes to make payments to a number of different parties
  • the merchant can submit transfer instructions through the Internet Web site (7) to the application server (6) as a batch.
  • the batch transfer instructions must specify a plurality of identifications of different authorised users to whom currency is to be transferred, the corresponding predetermined amount of currency to be transferred to each payee, and whether each corresponding currency transfer is real currency or virtual currency.
  • the payee In transfer instructions relating to party-to-party payments, the payee is identified by means of an account number associated with that party's real (3) and virtual (4) currency accounts. If the payee is erroneously identified by means of an invalid account number, the administration facility will not execute the associated transaction and the originator of the transfer instructions is notified by means of the Internet Web site (7).
  • system (1) provides for a payee to be identified, in addition to the account number, by a deposit authorization code, The deposit authorization code is a four-digit number which is randomly generated. A payee is required to make his account number as well as his deposit identification code known in order to be identified as a payee.
  • Access to the application server (6) through the Internet Web server (7) is legislated by means of a unique access code provided to each authorised user of the transfer system, in order to prevent unauthorized access to the various user real currency accounts (3) and the virtual currency accounts (4).
  • the individual user real currency accounts (3) are accessible by the users at any automated teller machine, such accounts being operable at the automated teller machine by means of a token such as a debit card.
  • the transaction processing system (1) includes a transaction database (not shown) which contains transaction data associated with each issued transfer instruction executed by the application server (6). Such transaction data is provided, for example, by a merchant from whom the user has purchased goods or services .
  • the Internet Web site (7) enables the user to "drill-down" and access and view the transaction data relating to any transaction appearing on the account statement.
  • the transaction processing system (1) may also be conveniently employed to transfer value from one party to another in an on-line environment. Although, in the description which follows, this particular aspect of the invention will be described with particular reference to the transfer of funds, it is to be clearly understood that the use of the invention for transferring value is not limited to this particular application.
  • transaction processing system (1) includes, additionally, a value account (10) corresponding to each authorised user of the system and a suspense value account (11).
  • the application server (6) is operable to access and to operate the authorised user's value accounts (10) and the suspense account (11), as will be described in detail below.
  • the value accounts (10) may be the individual user real currency accounts (3) or the virtual currency accounts (4), respectively.
  • the register (2) includes a unique messaging address, in the form of an Internet e- mail address, corresponding to each authorised user of the transaction processing system (1).
  • the value account (10) of each authorised user has a corresponding value balance therein.
  • an authorized user who wishes to transfer a predetermined quantity of value to another party is required to access the Internet Web server (7) and to submit transfer instructions to the application server (6).
  • the transfer instructions are required to designate the quantity of value to be transferred, as well as the identity of the transferee to who the predetermined quantity of value is to be transferred.
  • the transferee is uniquely identified by a corresponding Internet e-mail address.
  • the application server (6) automatically debits the value balance of the transferor account with the predetermined quantity of value.
  • the application server (6) credits the suspense account (11) with the predetermined quantity of value debited from the value balance in the transferor value account.
  • the transferee is then required to access the application server (6) through the Web server (7), and to claim the transferred quantity of value by first registering as an authorized user and establishing his own corresponding value account (10). Once these requirements have been met, the application server (6) credits the new value account (10) of the transferee with the predetermined amount of value, and the transfer transaction is complete.
  • the transfer system (1) may be conveniently employed to transfer any form of value such as money, credits for the consumption of utilities, or the like.
  • the token employed by a user to access the real currency account (3) at an automated teller machine may be a conventional magnetic card or, alternatively, a smart card.
  • the automated teller machine may be operated by means of a mobile telephone handset or a personal digital assistant, instead of by means of the token. It is envisaged that in this instance the automated teller machine, the mobile telephone handset, and the personal assistant would be equipped with infra-red communication ports operating according to a communication protocol such as the well-known Bluetooth communication protocol.
  • the invention therefore provides a transaction processing system (1) which is operable to conveniently effect party-to-party settlements in both a physical and an on-line environment, and which facilitates transfer of real currency to virtual currency, and vice versa.
  • the transaction processing system also enables value to be transferred on-line from one party to another in which a transferee is identified by means of a unique identifier conforming to an open standard, and which is not proprietary to any financial institution or the like.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Economics (AREA)
  • Development Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Système de traitement de transaction comprenant un registre d'utilisation non autorisé du système, un compte en monnaie réelle et un compte en monnaie virtuelle correspondant à chaque utilisateur. Chaque compte possède un solde correspondant et le compte en monnaie réelle est tenu par une institution bancaire. L'utilisateur autorisé peut utiliser un dispositif d'accès dans le but d'émettre des instructions de transfert afin de transférer un montant prédéterminé de monnaie entre les comptes de cet utilisateur. Ce système comprend un dispositif d'administration dont le but est de répondre aux instructions de transfert, visant à débiter le compte en monnaie virtuelle de l'utilisateur émetteur de ces instructions de transfert, par débit de son compte en monnaie virtuelle et crédit de son compte en monnaie réelle du montant prédéterminé de monnaie.
EP01912034A 2000-03-06 2001-03-05 Systeme de traitement de transaction et son procede de mise en application Withdrawn EP1261947A1 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
GB0005392 2000-03-06
GB0005392A GB0005392D0 (en) 2000-03-06 2000-03-06 Transaction processing system and method of operation thereof
PCT/IB2001/000304 WO2001067409A1 (fr) 2000-03-06 2001-03-05 Systeme de traitement de transaction et son procede de mise en application

Publications (1)

Publication Number Publication Date
EP1261947A1 true EP1261947A1 (fr) 2002-12-04

Family

ID=9887075

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01912034A Withdrawn EP1261947A1 (fr) 2000-03-06 2001-03-05 Systeme de traitement de transaction et son procede de mise en application

Country Status (6)

Country Link
EP (1) EP1261947A1 (fr)
AU (1) AU4095201A (fr)
CA (1) CA2401980A1 (fr)
GB (1) GB0005392D0 (fr)
WO (1) WO2001067409A1 (fr)
ZA (1) ZA200206883B (fr)

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AU4095201A (en) 2001-09-17
WO2001067409A1 (fr) 2001-09-13
GB0005392D0 (en) 2000-04-26
ZA200206883B (en) 2003-03-11
CA2401980A1 (fr) 2001-09-13

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