WO2000030051A1 - Procede et appareil pour faciliter les transactions commerciales sur un reseau en fournissant une source de verification fiable - Google Patents

Procede et appareil pour faciliter les transactions commerciales sur un reseau en fournissant une source de verification fiable

Info

Publication number
WO2000030051A1
WO2000030051A1 PCT/IB1999/001845 IB9901845W WO0030051A1 WO 2000030051 A1 WO2000030051 A1 WO 2000030051A1 IB 9901845 W IB9901845 W IB 9901845W WO 0030051 A1 WO0030051 A1 WO 0030051A1
Authority
WO
WIPO (PCT)
Prior art keywords
node
vendor
verification
buyer
transaction
Prior art date
Application number
PCT/IB1999/001845
Other languages
English (en)
Inventor
Marc V. Wintriss
Original Assignee
Wintriss Marc V
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 Wintriss Marc V filed Critical Wintriss Marc V
Priority to AU10695/00A priority Critical patent/AU1069500A/en
Publication of WO2000030051A1 publication Critical patent/WO2000030051A1/fr

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
    • G06Q20/38—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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/38—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Definitions

  • the present invention relates generally to the electronic commerce, and more specifically to facilitating business transactions between buyers and sellers over a computer network, such as the Internet.
  • a vendor or seller
  • the web site has a unique domain name and an IP (Internet Protocol) address, and stores the information about the goods (or services) in a set of web page files, such as HTML, SHTML, DHTML, or CGI files (Note: HTML stands for Hypertext Mark Language, SHTML for Secure HTML, DHTML for Dynamic HTML, and CGI for Common Gateway Interface).
  • a web page file may contain one or more page links containing the path information to other web page files.
  • a prospective or actual buyer can access to a home page file (the page file at the root level) of a web site. From the home page, the buyer can browse subsequent web page files by selecting links contained in the home page file. The subsequent web page files may further contain one or more page links, which can be further selected to browse web page files at ii next level. At any level, a browser can browse back to the previous web page file and re-select page links from the previous web page file.
  • a buyer can navigate through web page files contained in a web site, search for information about goods (or services) of interest, select an item of the good" (or service), and place an order for the selected item (or service).
  • the current Internet technology readily enables vendors (or sellers) set up web sites, which can be conveniently accessed by millions of buyers twenty four hours a day throughout the globe. Thus, it is fair and reliable to predict that the electronic commerce has a tremendous potential to promote transactions between vendors and buyers.
  • the present invention provides the methods and apparatus to meet t lese needs.
  • the present invention provides improved methods to facilitate transactions over the Internet between buyer nodes and seller nodes by providing a reliable verification node to verify and/or guarantee the transactions.
  • the present invention provides a method for conducting a transaction between a buyer node and a vendor node over a network.
  • the method comprises the steps of: at the buyer node, designating a verification node; at the buyer node, sending a transaction request via the network to the vendor node, for initiating a transaction between the buyer node and the vendor node; at the vendor node, upon receiving the transaction request, sending a responding message via the network to the buyer node, the responding message including a vendor identification for the vendor node; at the buyer node, upon receiving the vendor identification, sending a verification request together with the vendor identification via the network to the verification node; at the verification node, upon receiving the vendor identification, sending a verification message via the network to the buyer node, to verify the vendor node; and at the buyer node, upon receiving the verification message, completing the transaction between the buyer node and the vendor node.
  • the present invention provides a method for conducting transactions over a network between a buyer node and a vendor node with a verification from a verification node.
  • the method comprises the steps of at the vendor node: receiving from the buyer node a transaction request for initiating a transaction between the buyer node and the vendor node; upon receiving the transaction request, sending a responding message via the network to the buyer node, wherein the responding message contains a vendor identification for the vendor node, so that upon receiving the vendor identification from the buyer node the verification node can verify and/or guarantee the transaction for the vendor node; and upon completion of the verification by the verification node, completing the transaction initiated by the buyer node.
  • the present invention provides a method for conducting transactions over a network between a buyer node and a vendor node with a verification from a verification node.
  • the method comprises the step of at the buyer node: designating a verification node; sending a transaction request via the network to the vendor node, for initiating a transaction between the buyer node and the vendor node; receiving a responding message via the network from the vendor node, the responding message including a vendor identification for the vendor node; sending a verification request together with the vendor identification via the network to the verification node; receiving a verification message via the network from the verification node, to verify the vendor node and/or guaranty the transaction; and upon receiving the verification message, completing the transaction between the buyer node and the vendor node.
  • the present invention also provides the apparatus for implementing, the corresponding methods as recited above.
  • Figure 1 shows an exemplary network system 1 00, which can be used to perform the functions of the present invention
  • Figure 2 shows a graphical user interface 200, in accordance with the present invention
  • Figure 3 shows a graphical user interface 300, in accordance with the present invention
  • Figure 4 shows a graphical user interface 400, in accordance with the present invention.
  • Figure 5 shows a graphical user interface 500, in accordance with the present invention.
  • Figure 6 shows a graphical user interface 600, in accordance with the present invention.
  • Figure 7 shows a flowchart illustrating the steps of conducting a transaction between a buyer node and a vendor node, in accordance with the present invention.
  • Figure 8 shows a block diagram illustrating an exemplary computer system, which can be used as a hardware platform to implement the present invention.
  • the present invention comprises a novel method for facilitating transactions over a computer network, such as the Internet, between buyer r odes and vendor nodes by providing a reliable verification node.
  • FIG 1 there is shown an exemplary network system 1 00, which is able to perform the functions of the present invention.
  • the network system 1 00 includes a plurality of user computers (i.e. buyer nodes) 102.1 , 102.2, ..., and 102. n; a plurality of vendor web sites (i.e. vendor nodes) 1 04.1 , 1 04.2, ..., and 104.m; a verification center (i.e. verification node) 1 06; and a wide area network 1 08 (such as the Internet) .
  • the user computers, vendor web sites, and verification center are all coupled to tie network 1 08.
  • Each of the vendor web sites (1 04.1 , 1 04.2, ..., and 1 04.m) includes respective server (1 14.1 , 1 14.2, ..., or 1 14.m) for processing service requests received; and a respective web page repository (1 24.1 , 1 24.2, ..., or 1 24.m) for storing a plurality of page files, such as HTML, SHTML, DHTML, or CGI files.
  • a unique domain name and an IP (Internet Protocol) address are assigned to each of the vendor web sites.
  • Each of the page files stored in a vendor web site contains the information about the goods (or services) provided by a vendor web site, and may further contain links to other page files that are stored either if the same vendor web site or in other web sites.
  • Each of the user computers (102.1 , 102.2, ..., or 102. n) has a display screen ( 1 22.1 , 1 22.2, ..., or 1 22. n) and a keyboard ( 1 32.1 , 1 32.2, ..., or 1 32,n), and runs a respective browser (1 1 2.1 , 1 1 2.2, ..., or 1 1 2.n).
  • a unique IP address is assigned to each of the user computers.
  • Each of the browsers (1 1 1 2.1 , 1 1 2.2, ..., and 1 1 2.n) is able to retrieve page files from any web sites that are connected to the network 1 08 and display the retrieved page files in a web page format.
  • Each of the user computers (102.1 , 102.2, ..., or 1 02.n) contains a verification application for performing the functions of the present invention. When invoked, the verification application displays two windows 302 and 304, as will be discussed in connection with figure 3.
  • a browser To retrieve a page file from a web site, a browser sends to the web site a service request; which includes a URL (Universal Resource Locator), the IP address assigned to the web site, and the IP address assigned to the user computer in which the browser is run.
  • the URL contains the path information to the page file to be retrieved.
  • the server for the web site locates the respective page file based on the URL, and sends the located page file to the browser based on the IP address assigned to the user computer on which the browser is run.
  • the browser Upon receiving the page file, the browser displays it on a computer screen, typically in a web page format.
  • the browser in response to selecting (i.e. clicking) the link, sends a service request to the web site that stores the page file.
  • the browser Upon receiving the page file from the web site, the browser displays the page file in a web page format.
  • the browser can navigate from an upper level page file to a lower level page file.
  • the browser in response to a selection of a "back" button (or an equivalent function control) on the browser graphical user interface, the browser is able to navigate from a lower level page file (the page file that is being currently displayed) back to the higher level page file (the page file previously displayed), so that a new link can be selected from the previously displayed page file.
  • the browser can navigate through all the page files stored in one or more web sites connected to the network 1 08.
  • the verification center 106 includes a server 1 1 6 for processing service requests received, a verification database 1 26 for storing the information about vendor nodes to be verified, a page repository 1 36 for storing page files containing information to be provided to buyer nodes, and a transaction database 146 for storing the verified transactions.
  • the verification database 1 26 stores the information including: identification and security code assigned to the vendor, financial quality of the vendor, guarantee terms for the vendor, and specific goods (or services) to be verified for the vendor.
  • the verification service i.e.
  • a vendor may be required to pay a fee and provide relevant information, such as its domain name, IP address, physical location, financial quality, credit history, and business license.
  • relevant information such as its domain name, IP address, physical location, financial quality, credit history, and business license.
  • the guarantor Upon approval, the guarantor assigns an identification and a security code to the vendor.
  • the information provided by the vendor is stored in the verification database 1 26.
  • a graphical user interface 200 which can be displayed on any one of the buyer nodes 1 02.1 , 102, 2, ..., and 1 02. n shown in figure 1 , in accordance with the present invention.
  • the graphical user interface 200 includes a plurality of icons including a purchase icon 202. n.
  • a verification application is invoked to display a graphical user interface as shown in figure 3.
  • FIG 3 there is shown a graphical user interface 300 which can be displayed on any one of the buyer nodes 102.1 , 102, 2, ..., and 1 02.n shown in figure 1 , in accordance with the present invention.
  • the graphical user interface 300 is displayed on the user computer 1 02.1 .
  • the graphical user interface 300 includes a transaction window 302 and a verification window 304.
  • the verification window 304 includes a verification icon 306 and a verification identification region 308.
  • the buyer sends a service request to a vendor node using the browser 1 1 2.1 .
  • the vendor node Upon receiving the service request, the vendor node sends a page file to the user computer 102.1 .
  • the verification application causes the browser 1 1 2.1 to display the page file in the transaction window 302 as shown in figure 4.
  • FIG 4 there is shown a graphical user interface 400 which can be displayed on any of the buyer nodes 1 02.1 , 1 02, 2, ..., and 1 02. n shown in figure 1 , in accordance with the present invention.
  • the transaction window 302 includes a vendor information region 404 containing the information about a vendor node and an order form region 406 containing data entries for allowing a buyer to select goods (or services) and input payment methods.
  • the vendor information region 404 includes an identification region 405 containing the verification identification provided by the vendor node.
  • the order form region 406 includes an order icon 408. A buyer can submit an order by clicking the order icon 408.
  • the buyer completes the data entries in the order form region 406.
  • the buyer first copies the verification identification from the identification region 405 to the verification region 308 and then clicks the verification icon 306.
  • the verification application causes the browser 1 1 2.2 to send a verification request, together with the verification identification, to the verification node 1 06 via the network 108.
  • the verification node 106 searches verification information in verification database 1 26 according to the verification identification, forms a verification page file containing the verification information, and sends the verification page file to the user computer 1 02.1 via the network 108.
  • the verification application Upon receiving the verification page file, the verification application causes the browser 1 1 2.1 to display it in the verification window 304 as shown in figure 5.
  • the verification scheme shown in figure 4 is reliable, because the verification node is designated at the buyer node while the vendor node does not have any control over the designation of the verification node
  • FIG 5 there is shown a graphical user interface 500 which can be displayed on any one of the buyer nodes 1 02.1 , 1 02, 2, ..., and 1 02.n shown in figure 1 , in accordance with the present invention.
  • the verification window 304 includes a verification node region 502 for displaying the information about the verification node, a vender node region 504 for displaying the information about the vendor node, and a guarantee region 506 for displaying the guarantee information.
  • the buyer can submit an order by clicking the order icon 408 shown in figure 5.
  • the verification application causes the browser 1 1 2.1 to send the order form 406 containing the order information to both the vendor node 1 04.1 and the verification node 1 06.
  • the verification node 1 06 sends a confirmation receipt to the user computer 1 02.1 .
  • the verification application causes the browser 1 1 2.1 to display the confirmation receipt in tile verification window 304 as shown in figure 6.
  • FIG 6 there is shown a graphical user interface 600 which I can be displayed on any one of the buyer nodes 102.1 , 102.2, ..., 102.n shown in figure 1 , in accordance with the present invention.
  • the graphical user interface 600 is displayed on the user computer 102.1 .
  • the verification window 304 displays a confirmation receipt 602 containing the confirmation information about the transaction completed between the buyer node and the vendor node.
  • the confirmation receipt 602 includes the name of the item (or service) ordered, the name of the vendor, the price of the order, the date of the transaction, and the guaranteed terms for the completed transaction.
  • FIG 7 there is shown a flowchart illustrating the steps of conducting a transaction between a buyer node and a vendor node over the network system 1 00, in accordance with the present invention.
  • (2) XYZ company is the owner of the vendor node 1 04.1 ;
  • a verification application for performing the functions of the present invention is installed on the user computer 102.1 .
  • step 704 the buyer initiates the transaction by clicking the purchase icon 202. n displayed on the graphical user interface 200.
  • the verification application causes the browser 1 1 2.1 to display the graphical user interface 300 as shown in figure 3 on the user computer 102.1 .
  • the graphical user interface 300 includes a transaction window 302 and a verification window 304.
  • step 708 using the browser 1 1 2.1 , the buyer enters the URL for the vendor node 104.1 and sends a service request, together with the URL, to the vendor node 1 04.1 via the network 108.
  • the vendor node 104.1 retrieves a transaction page file and sends it to the user computer 1 02.1 .
  • Tie transaction page file contains a verification identification assigned to the vendor node 104.1 .
  • the verification application upon receiving the transaction page file, causes the browser 1 1 2.1 to display the transaction page file in the transaction window 302 as shown in figure 4.
  • the transaction window 302 includes a vendor information region 404 and a transaction region 406.
  • the vendor information region 404 contains an identification region 405 for displaying the verification identification provided by the vendor node 1 04.1 .
  • the transaction region 406 includes an order form 406, which further includes an order icon 408.
  • the buyer first completes the data entries in the order form 406.
  • the buyer copies the verification identification from the identification region 405 to the identification region 308.
  • the buyer clicks the verification icon 306 shown in figure 4.
  • the verification application causes the browser 1 1 2.1 to send a verification request, together with the verification identification contained in the verification region 405, to a verification node designated at the user computer 1 02.1 .
  • the designated verification node is the node 106.
  • the owner of a verification node is a well recognized organization that has financial resource and business expertise to analyze vendors financial quality and business reliability.
  • the verification scheme described at step 714 is reliable, because the verification node is designated at the buyer node while, the vendor node does not have any control over the designation of the verification node.
  • the verification node 106 upon receiving the verification request and the verification identification, searches the verification information from the verification database 1 26 for the vendor node identified by the verification identification, and examines the transaction contained in the order form 406.
  • the verification node forms a verification page file containing the verification information, stores the verification page file into the transaction database 1 46 as a record, and sends the verification page file to the user computer 1 02.1 .
  • the verification application upon receiving the verification page file, the verification application causes the browser 1 1 2.1 to display the verification page file in he vendor node information region 504 as shown in figure 5.
  • the vendor node information region 504 displays a message to the effect that it cannot verify the vendor node and cannot guarantee this transaction. If the verification node 1 06, at step 71 6, determines that the vendor node 104.1 has subscribed to its verification service, the vendor node information region 504 displays the guaranty terms for the transaction.
  • the guaranty terms may specify that the guarantor will reimburse the payment to this transaction, if the buyer informs the guarantor, under certain conditions within a period of time, that the buyer is not satisfied with the transaction.
  • step 722 if satisfied with the verification information and the guaranty terms, using the user computer 102.1 , the buyer sends the completed order form 406 shown in figure 5 to both vendor node 1 04.1 and the verification node 106 by clicking order icon 408 as shown in figure 5.
  • the vendor node 104.1 Upon receiving the completed order form 406, the vendor node 104.1 forwards the completed order form 406 to the verification node 106.
  • the verification node upon receiving the completed order form 406 from the user computer 1 02.1 and the vendor node 104.1 , the verification node forms a confirmation receipt and sends it to the user computer 1 02.1 and the vendor, node 1 04.1 .
  • the buyer and vendor node 1 04.1 can store and/or print out the conformation receipt as a record.
  • FIG 8 there is shown a block diagram illustrating an exemplary computer system 800, which can be used as a hardware platform for a user computer (1 02.1 , 102.2, ..., or 1 02. n), a vendor web site (1 04.1 ,
  • the computer system 800 includes a system bus 801 , a processing unit 802, a memory device 804, a disk drive interface 806, a hard disk 808, a display interface 81 0, a display monitor 81 2, a serial bus interface 81 4, a mouse 81 6, a keyboard 81 8, and a network communication interface 820.
  • the hard disk 808 is coupled to the disk drive interface 806; the monitor display 81 2 is coupled to the display interface 81 0; and the mouse 81 6 and keyboard 81 8 are coupled to the serial bus interface 81 4. Coupled to the system bus 801 are the processing unit 802, the memory device 804, the disk drive interface 806, the display interface 810, and the network communication interface 820.
  • Memory device 804 stores data and programs. Operating together with the disk drive interface 806, the hard disk 808 also stores data and programs. However, memory device 804 has faster access speed than hard disk 808, while the hard disk 808 has higher capacity than memory device 804.
  • the display monitor 81 2 provides visual interfaces between the programs being executed and users, and displays the outputs generated by the programs.
  • the mouse 81 6 and keyboard 81 8 provide inputs to the computer system 800.
  • the network communication interface 820 provides an interface between the computer system 800 and the network 108 in accordance with predetermined networking protocols.
  • the processing unit 802 which may include more than one processor, controls the operations of the computer system 800 by executing the programs stored in the memory device 804 and hard disk 808. The processing unit also controls the transmissions of data and programs between the memory device
  • the steps shown in figure 7 are jointly performed by the user computer 1 02.1 , the vendor node 1 04.1 , and the verification node 106.
  • the programs for performing the steps shown in figure 7 can be distributively stored in and executed by three computer systems shown in figure 8.
  • the programs for performing the steps shown in figure 7 can be distributively stored in the memory devices 804 or hard disks 808 of the three computer systems, and distributively executed by the processing units 802 of the three computer systems.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Computer And Data Communications (AREA)

Abstract

Lors de transactions commerciales dans l'environnement du commerce électronique actuel, les acheteurs peuvent ne pas être certains de l'identité et de la fiabilité des vendeurs. En raison de cette difficulté inhérente à s'assurer de l'identité et de la fiabilité des vendeurs sur un réseau informatique (tel que l'Internet), il y a le risque que les acheteurs ne reçoivent jamais les biens ou les services commandés ou ne reçoivent que des biens défectueux ou des services de qualité inférieure. L'incertitude relative à l'identité et à la fiabilité des vendeurs est un frein sérieux aux transactions sur l'Internet. Pour résoudre ce problème, cette invention propose un procédé de vérification destiné à faciliter les transactions entre acheteurs et vendeurs. Lors de la réception d'une demande de transaction sur l'Internet de la part d'un acheteur, un vendeur envoie une identification de vérification à l'acheteur. L'acheteur désigne ensuite un noeud de vérification et envoie l'identification de vérification à ce noeud de vérification par l'Internet pour la vérification du vendeur et comme garantie pour la transaction. Après avoir reçu la vérification et/ou la garantie, l'acheteur conclut alors la transaction avec le vendeur sur l'Internet.
PCT/IB1999/001845 1998-11-18 1999-11-18 Procede et appareil pour faciliter les transactions commerciales sur un reseau en fournissant une source de verification fiable WO2000030051A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU10695/00A AU1069500A (en) 1998-11-18 1999-11-18 A method and apparatus for facilitating business transactions over a network by providing a reliable verification source

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US19518598A 1998-11-18 1998-11-18
US09/195,185 1998-11-18

Publications (1)

Publication Number Publication Date
WO2000030051A1 true WO2000030051A1 (fr) 2000-05-25

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AU (1) AU1069500A (fr)
WO (1) WO2000030051A1 (fr)

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Cited By (23)

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EP1350207A1 (fr) * 2000-12-06 2003-10-08 Internet Pay Master Corporation Limited Systeme et procede visant a faciliter le paiement electronique d'un tiers sur un reseau d'ordinateurs
EP1350207A4 (fr) * 2000-12-06 2009-08-19 Internet Pay Master Corp Ltd Systeme et procede visant a faciliter le paiement electronique d'un tiers sur un reseau d'ordinateurs
US7844546B2 (en) 2001-01-26 2010-11-30 Acxsys Corporation Online payment transfer and identity management system and method
US9159058B2 (en) 2001-01-26 2015-10-13 Acxsys Corporation Online payment transfer and identity management system and method
GB2389443B (en) * 2001-01-26 2004-10-06 Certapay Inc Online payment transfer and identity management system and method
WO2002059847A1 (fr) * 2001-01-26 2002-08-01 Certapay Inc. Systeme et procede de transfert de paiements en ligne et de gestion d'identites
GB2389443A (en) * 2001-01-26 2003-12-10 Certapay Inc Online payment transfer and identity management system and method
GB2409091A (en) * 2001-04-06 2005-06-15 Freedom Card Ltd Smart-card payment system
GB2409091B (en) * 2001-04-06 2005-10-12 Freedom Card Ltd Payment system
WO2002082386A1 (fr) * 2001-04-06 2002-10-17 Freedom Card Limited Systeme de paiement
US7680736B2 (en) 2001-04-06 2010-03-16 Freedom Card Limited Payment system
EP2299413A1 (fr) * 2001-04-06 2011-03-23 Freedom Card Limited Système de paiement
EP2320394A1 (fr) * 2001-04-06 2011-05-11 Freedom Card Limited Système de paiement
US8244636B2 (en) 2001-04-06 2012-08-14 Freedom Card Limited Payment system
EP1406221A1 (fr) * 2002-10-03 2004-04-07 Hitachi Software Engineering Co., Ltd. Méthode de traitement de crédits pour le commerce électronique et système de commerce électronique
US7958030B2 (en) 2004-09-01 2011-06-07 Visa U.S.A. Inc. System and method for issuer originated payments for on-line banking bill payments
US8255327B2 (en) 2004-09-01 2012-08-28 Lynn Kemper System and method for issuer originated payments for on-line banking bill payments
US8249957B2 (en) 2008-01-15 2012-08-21 Visa U.S.A. System and method for data completion including push identifier
US10417481B2 (en) 2015-06-22 2019-09-17 The Brigham And Women's Hospital, Inc. Home evaluation of the quality of semen samples
US10977477B2 (en) 2015-06-22 2021-04-13 The Brigham And Women's Hosptial, Inc. Home evaluation of the quality of semen samples
EP3480758A1 (fr) * 2017-11-07 2019-05-08 Mastercard International Incorporated Systèmes et procédés d'authentification de transactions ach
US11042845B2 (en) 2017-11-07 2021-06-22 Mastercard International Incorporated ACH transaction authentication systems and methods
US11475418B2 (en) 2017-11-07 2022-10-18 Mastercard International Incorporated ACH transaction authentication systems and methods

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