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
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

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
AU2006255078A1 (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 A method for processing video data at an optical character recognition system Along with a device for character recognition in an optical dokumentlesare
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

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Legal Events

Date Code Title Description
NAV Patent application has lapsed