SE0200490L - Electronic micro payment system - Google Patents

Electronic micro payment system

Info

Publication number
SE0200490L
SE0200490L SE0200490A SE0200490A SE0200490L SE 0200490 L SE0200490 L SE 0200490L SE 0200490 A SE0200490 A SE 0200490A SE 0200490 A SE0200490 A SE 0200490A SE 0200490 L SE0200490 L SE 0200490L
Authority
SE
Sweden
Prior art keywords
user
purchase
service provider
amount
fund manager
Prior art date
Application number
SE0200490A
Other languages
Swedish (sv)
Other versions
SE0200490D0 (en
Inventor
Maw-Tsong Lin
Original Assignee
Tds Todos Data System Ab
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 Tds Todos Data System Ab filed Critical Tds Todos Data System Ab
Priority to SE0200490A priority Critical patent/SE0200490L/en
Publication of SE0200490D0 publication Critical patent/SE0200490D0/en
Publication of SE0200490L publication Critical patent/SE0200490L/en

Links

Classifications

    • 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
    • G06Q30/00Commerce, e.g. shopping or e-commerce
    • G06Q30/06Buying, selling or leasing transactions
    • 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
    • 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
    • G06Q20/12Payment architectures specially adapted for electronic shopping 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
    • G06Q20/22Payment schemes or models
    • G06Q20/29Payment schemes or models characterised by micropayments
    • 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
    • G06Q20/403Solvency checks

Abstract

A method and system is disclosed for electronic payments for effecting purchase transactions through a communication network system, and especially so called micro-payments. The system involves a user, service provider and a fund manager, all being connected through the communication network. The method comprises: providing a user account by the fund manager dedicated to the user, transferring a user authentication token from the user to the fund manager; authenticating the user based on said authentication token, and in case of adequate authentication reserving a maximum purchase amount of the funds currently available on the user account for the service provider; effecting a purchase between the user and the service provider; and upon effected purchase transferring an amount for the purchase from said user account to the service provider, said amount being less or equal to the maximum purchase amount.
SE0200490A 2002-02-19 2002-02-19 Electronic micro payment system SE0200490L (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
SE0200490A SE0200490L (en) 2002-02-19 2002-02-19 Electronic micro payment system

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
SE0200490A SE0200490L (en) 2002-02-19 2002-02-19 Electronic micro payment system
PCT/SE2003/000261 WO2003071464A1 (en) 2002-02-19 2003-02-18 Electronic micro payment system
AU2003217091A AU2003217091A1 (en) 2002-02-19 2003-02-18 Electronic micro payment system

Publications (2)

Publication Number Publication Date
SE0200490D0 SE0200490D0 (en) 2002-02-19
SE0200490L true SE0200490L (en) 2003-08-20

Family

ID=20287013

Family Applications (1)

Application Number Title Priority Date Filing Date
SE0200490A SE0200490L (en) 2002-02-19 2002-02-19 Electronic micro payment system

Country Status (3)

Country Link
AU (1) AU2003217091A1 (en)
SE (1) SE0200490L (en)
WO (1) WO2003071464A1 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2610216A1 (en) * 2005-06-06 2006-12-14 Sms.Ac, Inc. Billing system and method for micro-transactions
GB0623601D0 (en) * 2006-11-27 2007-01-03 Ergo Ltd 2 Authentication of message recipients

Family Cites Families (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SE448922B (en) * 1980-10-21 1987-03-23 Ibm Svenska Ab METHOD FOR PROCESSING VIDEO DATA BY AN OPTICAL SIGN IDENTIFICATION SYSTEM WITH A CHARACTER IDENTIFICATION DEVICE IN AN OPTICAL DOCUMENT READER
US6138107A (en) * 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network
US20020026418A1 (en) * 1999-07-02 2002-02-28 Adam Koppel Method for providing pre-paid anonymous electronic debit card compatible with existing network of credit cards
US7469233B2 (en) * 2000-07-24 2008-12-23 American Express Travel Related Services Company, Inc. Method and system for facilitating the anonymous purchase of goods and services from an e-commerce website
US20020013766A1 (en) * 2000-07-25 2002-01-31 Chiharu Kumaki Commercial settlement system with prepaid type credit card
GB2365559A (en) * 2000-08-07 2002-02-20 Rue De Int Ltd Financial payment system and method for internet transactions

Also Published As

Publication number Publication date
SE0200490D0 (en) 2002-02-19
WO2003071464A1 (en) 2003-08-28
AU2003217091A1 (en) 2003-09-09

Similar Documents

Publication Publication Date Title
WO2005114899A3 (en) Securely processing payments for online transactions
CN104680361B (en) A kind of enchashment method and system based on third-party platform
WO2002075478A3 (en) Method for performing secure online payment transactions
WO2001046918A3 (en) Method and system for secure authenticated payment on a computer network
WO2001097185A3 (en) System, method and computer program product for allowing a carrier to act as a credit-approval entity for e-commerce transactions
WO2004021130A3 (en) Method and system for facilitating payment transactions using access devices
WO2004090690A3 (en) Fraud control method and system for network transactions
WO2006086526A3 (en) Pre-paid activation and replenishment on a point-of-sale device
WO2000049554A8 (en) Method and apparatus for conducting commerce between individuals
WO2005072382A3 (en) System and method for secure telephone and computer transactions
WO2003023574A3 (en) Systems and methods for monetary transactions between wired and wireless devices
WO2002103643A3 (en) Point-of-sale (pos) voice authentication transaction system
RU2008127393A (en) METHOD AND SYSTEM FOR ORIGINAL AND REPEATED ACCOUNTING OF FUNDS TO PORTABLE CONSUMER DEVICES
SG156620A1 (en) System and method for resolving transactions
WO2007118052A3 (en) Method for universal electronic payment processing
WO2004044822A3 (en) Time-of-transaction foreign currency conversion
WO2002075499A3 (en) Method and system for making small payments using a payment card
WO2002101512A3 (en) Customer identification, loyalty and merchant payment gateway system
WO2005004016A3 (en) Data processing system for transmitting of payment advice data
EP1388797A3 (en) Methods, apparatus and framework for purchasing of goods and services
EA200701459A1 (en) ELECTRONIC SYSTEM AND METHOD OF REPLENISHMENT OF CREDIT CARDS
WO2004034343A3 (en) Method for concluding a payment transaction in electronic commerce
US10467619B2 (en) Method and system for contactless payments
TWI235934B (en) Secure electronic commerce system
EP1093097A3 (en) System and method for providing secure financial transactions

Legal Events

Date Code Title Description
NAV Patent application has lapsed