GB2363664B - Method and apparatus for money transfers - Google Patents

Method and apparatus for money transfers

Info

Publication number
GB2363664B
GB2363664B GB0121971A GB0121971A GB2363664B GB 2363664 B GB2363664 B GB 2363664B GB 0121971 A GB0121971 A GB 0121971A GB 0121971 A GB0121971 A GB 0121971A GB 2363664 B GB2363664 B GB 2363664B
Authority
GB
United Kingdom
Prior art keywords
apparatus
method
money transfers
money
transfers
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.)
Expired - Fee Related
Application number
GB0121971A
Other versions
GB2363664A (en
GB0121971D0 (en
Inventor
Jon Francis
Stuart Mcdonald
Henry Wodehouse
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.)
Global Money Transfer Holdings Ltd
GLOBAL MONEY TRANSFER HOLDINGS
Original Assignee
Global Money Transfer Holdings Ltd
GLOBAL MONEY TRANSFER HOLDINGS
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 Global Money Transfer Holdings Ltd, GLOBAL MONEY TRANSFER HOLDINGS filed Critical Global Money Transfer Holdings Ltd
Priority to GB9725430A priority Critical patent/GB2331822B/en
Priority to GB0121971A priority patent/GB2363664B/en
Publication of GB0121971D0 publication Critical patent/GB0121971D0/en
Publication of GB2363664A publication Critical patent/GB2363664A/en
Application granted granted Critical
Publication of GB2363664B publication Critical patent/GB2363664B/en
Priority claimed from HK02103312A external-priority patent/HK1042390A1/en
Anticipated expiration legal-status Critical
Application status is Expired - Fee Related legal-status Critical

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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 together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Use of an alias or a single-use code
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/409Card specific authentication in transaction processing
    • G06Q20/4093Monitoring of card authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/42Confirmation, e.g. check or permission by the legal debtor of payment
    • G06Q20/425Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
GB0121971A 1997-12-01 1997-12-01 Method and apparatus for money transfers Expired - Fee Related GB2363664B (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
GB9725430A GB2331822B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers
GB0121971A GB2363664B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0121971A GB2363664B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers
HK02103312A HK1042390A1 (en) 1997-12-01 2002-05-02 Method and apparatus for money transfers

Publications (3)

Publication Number Publication Date
GB0121971D0 GB0121971D0 (en) 2001-10-31
GB2363664A GB2363664A (en) 2002-01-02
GB2363664B true GB2363664B (en) 2002-04-17

Family

ID=10822956

Family Applications (2)

Application Number Title Priority Date Filing Date
GB0121971A Expired - Fee Related GB2363664B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers
GB9725430A Expired - Fee Related GB2331822B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers

Family Applications After (1)

Application Number Title Priority Date Filing Date
GB9725430A Expired - Fee Related GB2331822B (en) 1997-12-01 1997-12-01 Method and apparatus for money transfers

Country Status (4)

Country Link
EP (1) EP1036381A1 (en)
AU (1) AU742367B2 (en)
GB (2) GB2363664B (en)
WO (1) WO1999028872A2 (en)

Families Citing this family (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU734404B3 (en) * 1999-05-25 2001-06-14 Safepay Australia Pty Limited System for handling network transactions
GB2367168B (en) * 1999-05-25 2004-02-18 Safepay Australia Pty Ltd System for handling network transactions
EP1077436A3 (en) 1999-08-19 2005-06-22 Citicorp Development Center, Inc. System and method for performing an on-line transaction using a single-use payment instrument
US6488203B1 (en) 1999-10-26 2002-12-03 First Data Corporation Method and system for performing money transfer transactions
US8244632B2 (en) 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
US7376587B1 (en) 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
WO2002005195A1 (en) 2000-07-11 2002-01-17 First Data Corporation Wide area network person-to-person payment
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
US7184989B2 (en) 2001-03-31 2007-02-27 First Data Corporation Staged transactions systems and methods
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
WO2002079939A2 (en) 2001-03-31 2002-10-10 First Data Corporation Electronic identifier payment system and methods
US7117183B2 (en) 2001-03-31 2006-10-03 First Data Coroporation Airline ticket payment and reservation system and methods
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
CN101067856A (en) * 2007-06-28 2007-11-07 向亚峰 Method and system for realizing network payment

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996026508A1 (en) * 1995-02-22 1996-08-29 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4321672A (en) * 1979-11-26 1982-03-23 Braun Edward L Financial data processing system
AT51092T (en) * 1983-12-21 1990-03-15 Ibm Security in datenuebertragungssystemen.
US5319710A (en) * 1986-08-22 1994-06-07 Tandem Computers Incorporated Method and means for combining and managing personal verification and message authentication encrytions for network transmission
US5196840A (en) * 1990-11-05 1993-03-23 International Business Machines Corporation Secure communications system for remotely located computers
GB2261538B (en) * 1991-11-13 1995-05-24 Bank Of England Transaction authentication system
US6085320A (en) * 1996-05-15 2000-07-04 Rsa Security Inc. Client/server protocol for proving authenticity

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1996026508A1 (en) * 1995-02-22 1996-08-29 Electronic Data Systems Corporation System and method for electronic transfer of funds using an automated teller machine to dispense the transferred funds

Also Published As

Publication number Publication date
GB2331822A (en) 1999-06-02
WO1999028872A8 (en) 1999-07-29
AU742367B2 (en) 2002-01-03
GB2363664A (en) 2002-01-02
EP1036381A1 (en) 2000-09-20
AU1251599A (en) 1999-06-16
WO1999028872A2 (en) 1999-06-10
GB2331822B (en) 2002-04-17
GB9725430D0 (en) 1998-01-28
GB0121971D0 (en) 2001-10-31
GB2331822A9 (en)

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Legal Events

Date Code Title Description
PCNP Patent ceased through non-payment of renewal fee

Effective date: 20051201