WO2000067218A9 - Systeme et procede permettant d'effectuer des paiements electroniques - Google Patents

Systeme et procede permettant d'effectuer des paiements electroniques

Info

Publication number
WO2000067218A9
WO2000067218A9 PCT/US2000/011802 US0011802W WO0067218A9 WO 2000067218 A9 WO2000067218 A9 WO 2000067218A9 US 0011802 W US0011802 W US 0011802W WO 0067218 A9 WO0067218 A9 WO 0067218A9
Authority
WO
WIPO (PCT)
Prior art keywords
account
recited
payee
payment
wallet
Prior art date
Application number
PCT/US2000/011802
Other languages
English (en)
Other versions
WO2000067218A1 (fr
Inventor
Denis O'leary
Agostino Vincent D
S Richard Re
Jessica Burney
Adam Hoffman
Original Assignee
Chase Manhattan Bank Nat Ass
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 Chase Manhattan Bank Nat Ass filed Critical Chase Manhattan Bank Nat Ass
Priority to AU49798/00A priority Critical patent/AU4979800A/en
Publication of WO2000067218A1 publication Critical patent/WO2000067218A1/fr
Publication of WO2000067218A9 publication Critical patent/WO2000067218A9/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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Definitions

  • PC Personal Computer
  • DSL Digital Subscriber Line
  • PDA Personal Digital Assistants
  • the present invention is not limited to the case of a consumer making purchases from Internet merchants or business to business transactions.
  • the method has further, broader applicability by providing the ability for anyone with an account at an institution to transfer funds to anyone else who also has an account at the same or a different institution.
  • the pay anyone feature of the present invention allows parties to electronically transmit funds instantaneously without the expense of today's wiring fees.
  • the PPP 227 can echo back to the sender of the payment message (merchant 255 in Figure 2 or
  • the present embodiment is well suited for many different situations. For example, if a parent has a son or daughter away at college, the parent has provided the child with a card and associated VPL account 535, and is able to transfer funds to the child's account 535 in a simple, quick and cost efficient manner by use of the present invention.
  • a parent has a son or daughter away at college
  • the parent has provided the child with a card and associated VPL account 535, and is able to transfer funds to the child's account 535 in a simple, quick and cost efficient manner by use of the present invention.
  • the above embodiment can be used by a customer of the bank to transfer funds to anyone, such as the customer's gardener or a child at college as described above.
  • Figures 6, 7 and 8 illustrate three different bill paying embodiments according to the present invention.
  • Figure 6 depicts a direct bill paying embodiment
  • Figure 7 describes bill payment including a service provider performing consolidation
  • Figure 8 explains a bill payment method in which the customer performs the consolidation.
  • the direct method a biller establishes an e-billing capability on its own web site 255. Once enrolled in the service, the customer receives an e- mail notification that a bill is available for payment at the biller' s web site 255. Alternatively, the customer can receive a traditional paper bill. The customer launches its Wallet 215, Browser 210 and PPP 227 and then accesses the biller's web site 255.
  • PPP 227 or PPP enhanced Wallet 215 can receive funds from the other accounts of the user using well known online banking functionality.
  • Alternative funding options can be achieved through an externally sponsored credit card, by check or money order, or through the ACH network.

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

L'invention concerne un système et un procédé permettant de traiter des messages de crédit en vue d'un transfert électronique de fonds (TEF). Les composantes structurales principales du système comprennent un processeur de portail de paiement (PPP : Payment Portal Processor), un compte de paiements généraux (IPA :Internet Pay Anyone), une boîte postale privée virtuelle (Virtual Private Lockbox :VPL) et un rapporteur de compte associé. Le PPP est une application logicielle qui fournit un portail sûr pour l'accès, ou la connexion soit au compte à vue (Demand Deposit Account :DDA) de l'utilisateur, soit à un compte IPA et peut être combiné à une fonction portefeuille numérique traditionnelle. Les consommateurs utilisent un portefeuille amélioré PPP pour financer leur compte, pour faire des achat en ligne, pour payer des factures, effectuer des paiements généraux, mémoriser des récépissés électroniques et des historiques des transactions et consulter l'activité récente du portefeuille amélioré PPP. Le compte IPA est un compte à affectation spécifique, et à fonction limitée permettant de réaliser des paiements électroniques sous forme de messages de crédit TEF. Le VPL est un compte réservé à l'encaissement, à fonction limitée, permettant l'encaissement de paiements électroniques réalisés via le système TEF. Le rapporteur de compte est un portail permettant de consulter l'historique des transactions et le solde des comptes IPA et VPL, de fournir en ligne des rapports de transaction en temps réel et de comparer les relevés de clients/des achats aux relevés de paiement TEF entrants. Une carte physique comportant une fonction de débit avec NIP peut être associée soit à un compte IPA soit à un compte VPL.
PCT/US2000/011802 1999-05-03 2000-05-02 Systeme et procede permettant d'effectuer des paiements electroniques WO2000067218A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU49798/00A AU4979800A (en) 1999-05-03 2000-05-02 System and method for effectuating electronic payments

Applications Claiming Priority (12)

Application Number Priority Date Filing Date Title
US13230599P 1999-05-03 1999-05-03
US60/132,305 1999-05-03
US15072599P 1999-08-25 1999-08-25
US60/150,725 1999-08-25
US16130099P 1999-10-22 1999-10-22
US60/161,300 1999-10-22
US16382899P 1999-11-05 1999-11-05
US60/163,828 1999-11-05
US17304499P 1999-12-23 1999-12-23
US60/173,044 1999-12-23
US49780400A 2000-02-03 2000-02-03
US09/497,804 2000-02-03

Publications (2)

Publication Number Publication Date
WO2000067218A1 WO2000067218A1 (fr) 2000-11-09
WO2000067218A9 true WO2000067218A9 (fr) 2002-01-03

Family

ID=27558154

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/011802 WO2000067218A1 (fr) 1999-05-03 2000-05-02 Systeme et procede permettant d'effectuer des paiements electroniques

Country Status (2)

Country Link
AU (1) AU4979800A (fr)
WO (1) WO2000067218A1 (fr)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7571116B1 (en) 1997-05-09 2009-08-04 Symbol Technologies, Inc. System for consumer-transaction information that follows the consumer
WO2000075890A1 (fr) * 1999-06-04 2000-12-14 Receiptcity.Com, Inc. Affichage de publicites en couleurs sur des plateformes de points de ventes ou de services (pos)
JP2002123772A (ja) * 2000-10-11 2002-04-26 Hewlett Packard Co <Hp> 時間や支払い装置の場所に無関係の種々のネットワーク組織による支払いローミング
US6910697B2 (en) 2000-12-15 2005-06-28 Symbol Technologies, Inc. Shopping cart that enables self-checkout
US10600039B2 (en) 2015-05-20 2020-03-24 Mastercard International Incorporated Systems and methods for managing financial payments between parties
CN111126986B (zh) * 2019-11-25 2023-06-30 泰康保险集团股份有限公司 一种基于电子钱包的数据处理方法和装置

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
ZA907106B (en) * 1989-10-06 1991-09-25 Net 1 Products Pty Ltd Funds transfer system
US5220501A (en) 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
TW372297B (en) * 1996-05-10 1999-10-21 David M Barcelou League device and automated transaction machine
WO1997045814A1 (fr) * 1996-05-24 1997-12-04 Behruz Vazvan Procede et systeme en temps reel servant a effectuer des transactions a distance de paiement de factures et d'achats et a transferer de la monnaie electronique et d'autres donnees
AUPO201196A0 (en) * 1996-08-29 1996-09-19 Xcellink Corporation Funds transfer system and method
US6282522B1 (en) * 1997-04-30 2001-08-28 Visa International Service Association Internet payment system using smart card
US6292789B1 (en) * 1997-08-26 2001-09-18 Citibank, N.A. Method and system for bill presentment and payment

Also Published As

Publication number Publication date
WO2000067218A1 (fr) 2000-11-09
AU4979800A (en) 2000-11-17

Similar Documents

Publication Publication Date Title
US8595083B2 (en) Method and system for processing internet payments using the electronic funds transfer network
AU754886C (en) A virtual private lock box
AU2001268692B2 (en) Method and system for processing internet payments
US20130191278A1 (en) Method and System for Processing Internet Payments Using the Electronic Funds Transfer Network
AU2001268692A1 (en) Method and system for processing internet payments
WO2000067216A9 (fr) Carte bancaire associee a un compte d&#39;especes
WO2000067218A9 (fr) Systeme et procede permettant d&#39;effectuer des paiements electroniques
AU2004201231B2 (en) Method and system for processing internet payments using the electronic funds transfer network

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
AK Designated states

Kind code of ref document: C2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM DZ EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SL TJ TM TR TT TZ UA UG UZ VN YU ZA ZW

AL Designated countries for regional patents

Kind code of ref document: C2

Designated state(s): GH GM KE LS MW SD SL SZ TZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

COP Corrected version of pamphlet

Free format text: PAGE 67, CLAIMS, REPLACED BY A NEW PAGE 67; PAGES 1/10-10/10, DRAWINGS, REPLACED BY NEW PAGES 1/10-10/10; DUE TO LATE TRANSMITTAL BY THE RECEIVING OFFICE

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase in:

Ref country code: JP