SE0200490L - Electronic micro payment system - Google Patents
Electronic micro payment systemInfo
- 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
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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- 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
-
- 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
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
- G06Q20/403—Solvency checks
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Computer Security & Cryptography (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
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.
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
SE0200490A SE0200490L (en) | 2002-02-19 | 2002-02-19 | Electronic micro payment system |
AU2003217091A AU2003217091A1 (en) | 2002-02-19 | 2003-02-18 | Electronic micro payment system |
PCT/SE2003/000261 WO2003071464A1 (en) | 2002-02-19 | 2003-02-18 | Electronic micro payment system |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
SE0200490A SE0200490L (en) | 2002-02-19 | 2002-02-19 | 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)
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)
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 |
-
2002
- 2002-02-19 SE SE0200490A patent/SE0200490L/en not_active Application Discontinuation
-
2003
- 2003-02-18 WO PCT/SE2003/000261 patent/WO2003071464A1/en not_active Application Discontinuation
- 2003-02-18 AU AU2003217091A patent/AU2003217091A1/en not_active Abandoned
Also Published As
Publication number | Publication date |
---|---|
SE0200490D0 (en) | 2002-02-19 |
AU2003217091A1 (en) | 2003-09-09 |
WO2003071464A1 (en) | 2003-08-28 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
WO2005114899A3 (en) | Securely processing payments for online transactions | |
WO2004107096A3 (en) | Accepting travel related payments from consumer | |
WO2002075478A3 (en) | Method for performing secure online payment transactions | |
CN104680361B (en) | A kind of enchashment method and system based on third-party platform | |
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 | |
WO2006086526A3 (en) | Pre-paid activation and replenishment on a point-of-sale device | |
WO2004090690A3 (en) | Fraud control method and system for network transactions | |
WO2005072382A3 (en) | System and method for secure telephone and computer transactions | |
WO2003083619A3 (en) | System and process for performing purchase transaction using tokens | |
WO2003023574A3 (en) | Systems and methods for monetary transactions between wired and wireless devices | |
ATE357033T1 (en) | POINT OF POINT TRANSACTION SYSTEM WITH VOICE AUTHENTICATION | |
AU2087099A (en) | System and method for controlling financial transactions over a wireless network | |
RU2008127393A (en) | METHOD AND SYSTEM FOR ORIGINAL AND REPEATED ACCOUNTING OF FUNDS TO PORTABLE CONSUMER DEVICES | |
WO2006073907A3 (en) | System for facilitating online electronic transactions | |
SG156620A1 (en) | System and method for resolving transactions | |
WO2007118052A3 (en) | Method for universal electronic payment processing | |
WO2002075499A3 (en) | Method and system for making small payments using a payment card | |
WO2004044822A3 (en) | Time-of-transaction foreign currency conversion | |
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 | |
HUP0302552A2 (en) | System and method for purchasing goods and services through financial data network access ponts | |
US20170228720A1 (en) | Method and System for Contactless Payments |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
NAV | Patent application has lapsed |