WO2001004816A1 - Procede et systeme de gestion et de conduite d'une vente aux encheres sur reseau - Google Patents

Procede et systeme de gestion et de conduite d'une vente aux encheres sur reseau Download PDF

Info

Publication number
WO2001004816A1
WO2001004816A1 PCT/US2000/018582 US0018582W WO0104816A1 WO 2001004816 A1 WO2001004816 A1 WO 2001004816A1 US 0018582 W US0018582 W US 0018582W WO 0104816 A1 WO0104816 A1 WO 0104816A1
Authority
WO
WIPO (PCT)
Prior art keywords
buyer
seller
good
account
time period
Prior art date
Application number
PCT/US2000/018582
Other languages
English (en)
Inventor
Richard Elder
Original Assignee
Citicorp Credit Services, Inc.
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 Citicorp Credit Services, Inc. filed Critical Citicorp Credit Services, Inc.
Priority to AU60761/00A priority Critical patent/AU6076100A/en
Priority to EP20000947096 priority patent/EP1208505A4/fr
Priority to CA002378546A priority patent/CA2378546A1/fr
Publication of WO2001004816A1 publication Critical patent/WO2001004816A1/fr
Priority to HK02108522.8A priority patent/HK1048529A1/zh

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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/08—Auctions

Definitions

  • the present invention relates generally to the field of electronic commerce and more particularly to a method and system for managing auction transactions over a network, such as the Internet.
  • a buyer participating in an auction does not really know if the purported seller actually exists, and neither does a seller in such an auction know whether the purported buyer actually exists. Therefore, a buyer who enters the winning bid takes a chance on the existence of the purported seller, as well as whether he or she will ever get the merchandise on which the bid was entered. Likewise, a seller who accepts the winning bid takes a chance on the existence of the buyer who purported to enter the winning bid.
  • a user at a terminal such as the user's personal computer (PC) accesses an auction page on the Internet, such as E-BAY and goes through a registration process.
  • PC personal computer
  • Registering basically means that the user at the user's PC enters the user's address, such as an e-mail address, and an e-mail is sent to the user, for example, at the user's PC, which tells the user that he or she is allowed to bid.
  • the user is also given, for example, a bidding name, and the user sets up a password on the system.
  • the user When the user registers on the auction page with the user's e-mail address and receives a bidding name, the user is ready to bid or list with the auction site.
  • auction sites as with auction houses, at least one of the seller and buyer pays a fee for the opportunity to use the auction site.
  • the seller pays for the ability to list and sometimes pays an additional fee in the form of a percentage of the eventual selling price.
  • SOTHEBY'S in which the buyer pays the fees.
  • it is the seller who pays the fees, and the auction house generally bills or invoices the seller once a month.
  • the seller Upon receipt of the invoice, the seller generally pays, for example, by writing a check, although sometimes sellers can pay by credit card
  • most people selling at auction over the Internet are not what we typically think of as merchants. Rather, they are simply individuals, and when they sell something, they are not usually equipped to receive payment by any means (e.g.. credit card) other than by check, money order, or the like. This causes inconveniences for both parties, since the buyer must actually write a check or obtain a money order and then the buyer must wait until the seller is satisfied that the check will clear, etc., before the good(s) are transferred.
  • any means e.g. credit card
  • Internet auctions include, for example, normal auctions in which people enter bids and the bid price goes up as people bid higher and higher, as well as what are called Dutch auctions.
  • a Dutch auction the process begins at a certain price, and the price goes down until somebody makes an offer at the current price.
  • a Dutch auction effectively, someone wins the bid, because there are time frames. In other words, the bids are scheduled to end at a certain time, so they do not go continuously.
  • the seller notifies the buyer via e-mail that the buyer has won the bid and asks the buyer to send the seller payment, such as a check or a money order, for the purchase price plus, for example, a certain amount for shipping and handling.
  • the risk is a seller's risk, as well as a buyer's risk.
  • the buyer risks not receiving the merchandise for which the buyer paid.
  • the seller's risk lies, for example, in putting the seller's merchandise up for auction and receiving a winning bid, and waiting a month or more to discover that the buyer does not exist or sent bad funds for payment.
  • an embodiment of the present invention provides a method and system for managing Internet auction transactions by creating an auction website by, for example, a financial institution.
  • the auction website is accessible by the financial institution's account holders (e.g.. holders of checking, savings, credit card, and investment accounts).
  • account holders e.g.. holders of checking, savings, credit card, and investment accounts.
  • Figure 1 is a schematic of the parties to an auction transaction according to an embodiment of the present invention
  • Figure 2 is a registration process according to an embodiment of the present invention.
  • Figure 3 is a registration process according to an embodiment of the present invention
  • Figure 4 is an auction payment process according to an embodiment of the present invention
  • Figure 5 is an auction payment process according to an embodiment of the present invention
  • Figure 6 is an auction payment process according to an embodiment of the present invention.
  • Figure 7 is an auction payment process according to an embodiment of the present invention.
  • an embodiment of the present invention enables authentication of counterparties to an Internet auction transaction wherein both parties hold financial accounts with the provider of the auction website.
  • An Internet auction transaction for an embodiment of the present invention involves, for example, a seller 10 at the seller's PC 12 and a buyer 14 at the buyer's PC 16, each accessing the auction page of the website server 18, for example, of a financial institution, over the Internet 20 or any other public or private network.
  • the seller is known to the financial institution as the holder of an account with the financial institution, and the buyer is likewise known to the financial institution as the holder of an account with the financial institution.
  • the financial institution knows that both the seller and the buyer actually exist.
  • the payment is very simple, because the payment is made by the financial institution debiting the account of the buyer who bought the item at auction and crediting the account of the seller who sold it through a settlement system 22. Therefore, it is known that the parties are dealing with actual people, or at the very least, viable accounts and that once the transaction occurs, the seller will receive his or her funds.
  • the funds transfer is virtually instantaneous, allowing the seller to have the benefit of the payment almost immediately. While in a second preferred embodiment of the present invention, the funds are held in escrow until the good(s) are received by the buyer, as discussed below.
  • a process for participating in the Internet auction website of the current invention begins with the potential seller and the potential buyer each registering with the financial institution's auction website S2, S12 by providing at least an e-mail address and payment account information.
  • the financial institution queries whether or not the seller or buyer holds an account with the financial institution S4, S14.
  • the financial institution verifies that the seller and buyer are in fact financial institution account holders, that the account numbers for each are valid, and that each is in good standing S6, S16. If the selected account is not found or is not in good standing, registration is denied under that selected account S8, S18.
  • the financial institution confirms, for example, that the credit cards are not stolen, that the cards are good, that the credit card accounts are paid on time or that the selected accounts (e.g.. checking, savings, brokerage) are in good standing.
  • the selected accounts e.g.. checking, savings, brokerage
  • the buyer or seller may be prompted to select an alternate account under which to register.
  • the system will again check the viability of the selected account prior to allowing registration.
  • account numbers are sent securely using, for example, encryption. Data transmission encryption techniques are well known in the Internet art and will not be discussed further within this application.
  • the website issues the buyer or seller a registration ID S10, S20.
  • This ID may take many forms, including a username/password combination selected by the buyer and seller or it may be an alphanumeric code/personal identification number (PLN) assigned randomly by the financial institution, wherein the financial institution associates the selected user/password combination or the assigned code with the buyer or seller's selected account number.
  • PPN personal identification number
  • the seller and buyer may gain access to the auction portion of the website and sell or bid on good(s).
  • a seller lists good(s) on the website under his/her registration ID S22.
  • a buyer bids on listed good(s) using his/her registration ED S24.
  • a buyer will win the bidding for a listed good(s) S26.
  • both the buyer and seller hold accounts with the financial institution running the auction website. This need not necessarily be the case.
  • non-account holders may also participate in the auction website if they hold credit cards from member associations or have other approved accounts with member financial institutions. Member associations and member financial institutions are pre-approved by the auction sponsoring financial institution. Similar to the registration process for the account holders, non-account holder sellers and buyers are prompted for payment account information and the financial institution queries whether or not the seller or buyer holds an account with a member association or member financial institution S30, S40. If no such account is held, then the buyer or seller is denied registration S32, S42.
  • the sponsoring financial institution verifies that the seller and buyer are in fact account holders with the member association or member financial institution, that the account numbers for each are valid, and that each is in good standing S34, S44. If the selected account is not found or is not in good standing, registration is denied under the selected account S36, S46.
  • the website issues the buyer or seller a registration ID S38, S48 wherein the sponsoring financial institution associates the assigned code with the buyer's or seller's selected account number held through a member association or member financial institution.
  • the seller and buyer may access the auction portion of the website and sell or bid on good(s).
  • a seller lists good(s) on the website under his/her registration ID S50.
  • a buyer bids on listed good(s) using his/her registration ED S52.
  • a single buyer will win the bidding for a listed good(s) S56 assuming the bid requirements, if any, set by the seller are met (e.g.. minimum acceptable bid is met).
  • the procedure for finalizing the auction transaction is the embodiment where both the buyer and the seller have registration EDs under accounts of the sponsoring financial institution. These steps are similarly applicable, in most instances, to embodiments wherein either the buyer or seller or both have registered with the Internet auction website using accounts from other than the sponsoring financial institution i.e., from a member association or member financial institution. Differences in the process due to non-sponsoring financial institution account holders are addressed below.
  • the auction site has a data packet which includes the good(s) associated with the seller's registration ED which is in turn associated with an account that the seller used to register with the auction website. Further, the data packet includes the buyer's registration ID which is in turn associated with an account that the buyer used to register with the auction website. Finally, the data packet includes the final price bid for the good(s). At this point, settlement of the transaction may begin. Referring to Figure 4, in an embodiment of the present invention, the buyers and sellers having accounts with the sponsoring financial institution are prompted to select which account with the financial institution they wish to access for settling the transaction S60, S62.
  • the buyer and seller in this embodiment are not required to settle the transaction with the same account under which they registered with the auction website. For any number of reasons (e.g.. amount of funds, newly opened account), the buyer or seller may wish to debit or credit an account separate from the registering account.
  • there are at least two payment scenarios the first is an immediate transferal of the payment from buyer to seller, the second is a transferal of the payment into an escrow account wherein the money is only transferred to the seller upon the occurrence of certain events (e.g.. buyer communicates receipt of good(s) to the financial institution).
  • the methods and systems of the embodiments of the current invention may utilize one or both of these payment scenarios.
  • the system internally queries the bid price and compares it to the pre-determined threshold of $500 S64. If the final bid price is less than or equal to $500 than the buyer's selected account is immediately debited and the seller's selected account is immediately credited S66. Both parties are notified immediately via, for example, e-mail, that this transaction has been completed S68.
  • a first time period is set for the seller to deliver the purchased good(s) to the buyer S80.
  • the system queries whether or not the seller has delivered the good(s) within the first time period S82 (e.g.. buyer notifies of receipt or lack of receipt). If the seller has not delivered the good(s) within the first time period, the financial institution performs a charge-back or similar transaction, wherein the bid price is taken back from the seller's selected account and credited to the buyer's selected account S84.
  • This type of transaction is well known in the financial arts.
  • the auction system may be structured such that the financial institution may charge-back the payment from an alternate account of the seller should the selected account not having the required funds.
  • a second time period may be set for the buyer to inspect the good(s) to determine if they are conforming S86.
  • the system queries whether or not the buyer responds within the second time period S88. If there is no response, then the transaction is considered to be complete S90. If the buyer does respond within the second time period regarding the good(s), the system queries whether or not the good(s) are in acceptable condition S92. If the good(s) are acceptable, the transaction is complete S94. If the good(s) are not acceptable, the auction system of the current embodiment offers the buyer one of two choice for completion of the transaction.
  • the buyer may return the good(s) to the seller or the buyer may request a bargaining session with the seller via the auction system S96. If the buyer chooses to return the good(s), a third time period is set for the buyer to return the good(s) to the seller S98. The system queries whether or not the good(s) have been returned within the third time period S100. If the good(s) are not returned within the third time period, the transaction is considered to be complete, since the payment has been made to the seller and the buyer presumably has the good(s) S102. If the good(s) are returned to the seller within the third time period, a fourth time period is set for the seller to inspect the returned good(s) to make sure they are in the original condition S104.
  • the transaction is considered complete if the financial institution does not hear from the seller in the fourth time period or the seller notifies the financial institution that the good(s) are acceptable S106. Alternately, if the seller notifies the financial institution within the fourth time period that the good(s) are not acceptable S108, the financial institution may refer the seller to legal services to consider the sellers options at his point S109. As a service to the client, the financial institution may offer to reimburse the seller for the nonconformance, up to a set amount. The financial institution may also offer insurance for this sort of occurrence at a reasonable price as an option during the registration process.
  • the buyer may elect to request a bargaining session with the seller due to the fact, for example, that although the good(s) are not in conformance, the buyer wishes to keep the good(s) but at a reduced price SI 10.
  • a message is sent from the financial institution to the seller, notifying the seller that the good(s) were non-conforming, but that the buyer would like to request a bargaining session with the seller to further discuss the price.
  • the seller may choose to engage in the bargaining session or the seller may request that the good(s) be returned SI 12.
  • the buyer may choose to keep the good(s) in which case the transaction is complete or the buyer may return the good(s) to the seller, in which case the steps S98-S109 are applicable.
  • the buyer is notified of the sellers agreement to participate in a bargaining session and a time period is set within which a new price must be agreed upon or the good(s) must be returned to the seller in order to qualify for a charge-back S150.
  • the Internet auction website provides a page for "BARGAINING SESSIONS," wherein the buyer and seller enter their respective registration EDs into the ID box and they are linked to a page containing the details of their original transaction S152.
  • a space is provided for a recitation as to the status of the good(s) as received and the reason for the request to lower the initially agreed upon price, as well as a new suggested payment price S154.
  • This bargaining session may be limited to x number of messages between buyer and seller, or there may be an unlimited number of messages allowed between the buyer and seller.
  • a page is provided to the buyer and seller for submitting the newly agreed upon price S156.
  • the financial institution must receive the same price quote from both the buyer and the seller before, in this particular embodiment, a charge-back is performed, debiting the seller's account for the difference between the original bid price and the newly agreed upon price, and crediting the buyer's account for the difference S168.
  • the system in this embodiment does not automatically transfer funds from a buyers account to a sellers account.
  • the buyer has a chance to inspect and accept the good(s) before the seller is credited from the buyer's account or accounts.
  • the bid amount is deducted from the buyer's selected account and entered into an escrow account S70.
  • This escrow account may take on various forms, but should be managed such that if the good(s) fail to meet the necessary requirements, the buyer is at the very least reimbursed for the original amount debited from his/her account.
  • escrow account there are other management scenarios for the financial institutions escrow account, such as where the buyer actually receives interest back on the principle, in addition to the principle, in the case of non- conforming good(s) from the seller.
  • This escrow account may take on various forms, but should be managed such that if the good(s) fail to meet the necessary requirements, the buyer is at the very least reimbursed for the original amount debited from his/her account.
  • management scenarios for the financial institution's escrow account such as where the buyer actually receives interest back on the principle, in addition to the principle, in the case of non- conforming good(s) from the seller.
  • This escrow system may be a requirement of the financial institution's Internet auction system, it may be instituted on a transaction by transaction basis (e.g.. all transactions over a pre-defined price as in Figure 4), or it may be instituted at the request of either the buyer or seller as a prerequisite to engaging in business with a particular buyer or seller.
  • a transaction by transaction basis e.g.. all transactions over a pre-defined price as in Figure 4
  • the buyer and seller are notified of this transaction by the financial institution and the seller transfers the purchased good(s) to the buyer through an appropriate medium S72.
  • This notification may be through any suitable means, such as e-mail, telephone, or mail, to name a few examples.
  • the financial institution may start a time period for completion of the transaction (e.g., 5, 10, 15 days). If the seller does not deliver the good(s) within the first time period S74, the buyer's payment is returned to the buyer's account S76.
  • a second time period may be set for the buyer to inspect the good(s) to determine if they are conforming S120. The system queries whether or not the buyer responds within the second time period S122. If there is no response, then the seller is credited with the buyer's payment from the escrow account S124.
  • the system queries whether or not the good(s) are in acceptable condition S126. If the good(s) are acceptable, then the seller is credited with the buyer's payment from the escrow account S128. If the good(s) are not acceptable, the auction system of the current embodiment offers the buyer one of two choice for completion of the transaction. The buyer may return the good(s) to the seller or the buyer may request a bargaining session with the seller via the auction system S130.
  • a third time period is set for the buyer to return the good(s) to the seller S132.
  • the system queries whether or not the good(s) have been returned within the third time period S134. If the good(s) are not returned within the third time period, then the seller is credited with the buyer's payment from the escrow account since the buyer presumably has the good(s) S136. If the good(s) are returned to the seller within the third time period, a fourth time period is set for the seller to inspect the returned good(s) to make sure they are in the original condition S138.
  • the seller is credited with the buyer's payment from the escrow account if the financial institution does not hear from the seller in the fourth time period or the seller notifies the financial institution that the good(s) are acceptable S140. Alternately, if the seller notifies the financial institution within the fourth time period that the good(s) are not acceptable S142, the financial institution may refer the seller to legal services to consider the sellers options at his point S143. As a service to the client, the financial institution may offer to reimburse the seller for the nonconformance, up to a set amount. The financial institution may also offer insurance for this sort of occurrence at a reasonable price as an option during the registration process.
  • the buyer may elect to request a bargaining session with the seller due to the fact, for example, that although the good(s) are not in conformance, the buyer wishes to keep the good(s) but at a reduced price S144.
  • a message is sent from the financial institution to the seller, notifying the seller that the good(s) were non-conforming, but that the buyer would like to request a bargaining session with the seller to further discuss the price.
  • the seller may choose to engage in the bargaining session or the seller may request that the good(s) be returned S146.
  • the buyer may choose to keep the good(s) in which case the seller is credited with the buyer's payment from the escrow account or the buyer may return the good(s) to the seller, in which case the steps S132-S143 may be applicable.
  • the Internet auction website provides a page for "BARGAINING SESSIONS," wherein the buyer and seller enter their respective registration EDs into the ID box and they are linked to a page containing the details of their original transaction S152. Additionally, a space is provided for a recitation as to the status of the good(s) as received and the reason for the request to lower the initially agreed upon price, as well as a new suggested payment price S154.
  • This bargaining session may be limited to x number of messages between buyer and seller, or there may be an unlimited number of messages allowed between the buyer and seller. If the buyer and seller agree on a new price for the good(s), a page is provided to the buyer and seller for submitting the newly agreed upon price S156. The financial institution must receive the same price quote from both the buyer and the seller before, in this particular embodiment, the seller's account is credited with the new price from the escrow account and the buyer's account is credited from the escrow account for the difference S170.
  • a further advantage of the preferred embodiment is the ability of the seller to apply the payment from the buyer to any account or bill currently available for payment through the financial institution.
  • many financial institutions offer services, on-line or otherwise, for automatically paying bills for their customer's from the accounts of the customer's managed by the financial institution.
  • the seller may specifically request that the profit from the on-line auction be directed to, for example, their mortgage payment, car loan, student loan, etc. instead of first going to the seller's checking account and then later being debited therefrom to pay these types of bills.
  • another aspect of an embodiment of the present invention relates to verification in an Internet auction transaction for a financial account holder who is not a sponsoring financial institution account holder.
  • Such an aspect involves, for example, an arrangement with the certain credit card associations (e.g.. Visa®, MasterCard®) or non-sponsoring financial institutions (e.g.. Chase, First Union) in connection with authentication of non-sponsoring financial institution account holders.
  • non-sponsoring financial institution account holders are allowed to participate in the auction system in an embodiment of the present invention and are allowed to buy on the system and to use their non- sponsoring financial institution accounts to charge the bid price of the good(s).
  • non-sponsoring financial institution account holders and/or the non- sponsoring financial institutions or associations may be charged a fee.
  • non-sponsoring financial institutions or associations may become member associations and member financial institutions through arrangements with the sponsoring financial institution.
  • account holders with these member associations and/or member financial institutions may use the auction website, subject to the registration and verification processes described above.
  • the sponsoring financial institution for a buyer who is an account holder with a member association and/or member financial institution, charges the member association and/or member financial institution account holder for the bid price and issues a check to the seller.
  • the sponsoring financial institution basically guarantees that the buyer is real, and the sponsoring financial institution looks to the buyer for payment of the money charged on the member association and/or member financial institution account. In other words, the sponsoring financial institution takes the collection risk like it does on any other transaction.
  • the sponsoring institution may check on the available credit of the member association account holders through conventional credit card authorization lines. Further, the sponsoring institution may, for example, check the availability of funds through the pre-established ATM lines, prior to allowing sellers and buyers to register with the Internet auction website. The sponsoring financial institution may also use the ATM lines to check the availability of a buyer's funds at the member financial institution, prior to releasing funds to a seller after a bid price has been reached. The sponsoring financial institution would then release the funds to the seller and begin external settlement proceedings with the member financial institution.
  • a further feature of the Internet auction website is the ability of the sponsoring financial institution to track auction performance histories of buyers and sellers who utilize the system. These performance histories include payment and delivery histories of the buyers and sellers as well as purchasing histories of particular buyers and product conformance histories of particular sellers. Using this information, the financial institution may provide information on the reputation of a particular buyer or seller to other prospective buyers and sellers to help facilitate use of the system by trustworthy individuals. Further, by tracking the purchasing habits of buyers, the financial institution may offer as a service to its buyers, notification that certain types of goods have been listed on the auction website. For example, if the financial institution establishes through tracking that a particular buyer frequently purchases antiques, when an antique is listed on the auction website, the financial institution would notify the particular buyer of this new antique listing.
  • This notification could be in the form of, for example, an e-mail, or even a page depending on the arrangement between the buyer and the financial institution.
  • the financial institution may offer a service to potential buyers, wherein the potential buyers specifically request to be alerted when a particular type of good is listed on the website. For example, a potential buyer may be interested in purchasing a computer. The potential buyer requests that the financial institution alert the buyer whenever a computer is listed on the auction website. The alert may be provided through any available media, i.e., e- mail, pager, etc.

Abstract

L'invention concerne un procédé et un système permettant de gérer des transactions de vente aux enchères par Internet, par la création d'un site Web de vente aux enchères (18) par une institution financière, par exemple. Le site Web de vente aux enchères (18) est accessible par les détenteurs de compte(s) auprès de ladite institution financière (p. ex des détenteurs d'un compte chèque, d'un compte épargne, d'un compte de placement ou de cartes de crédit). Ainsi, tous les acheteurs (14) et les vendeurs (10) au cours de transactions sur le site de vente aux enchères, par exemple, possèdent un ou plusieurs comptes auprès de l'institution financière, les règlements (22) étant effectués entre les comptes des utilisateurs dans l'institution financière. Les paiements sont débités du compte de l'acheteur et crédités sur le compte du vendeur, d'éventuelles taxes étant déduites. Tous les frais sont internes, aucun n'est échange n'est par conséquent dû à une association de cartes, par exemple, en rapport avec une transaction. Le système présente un avantage aux clients de l'institution financière en ce que les acheteurs et les vendeurs sont authentifiés et les règlements sont effectués quasi instantanément.
PCT/US2000/018582 1999-07-09 2000-07-07 Procede et systeme de gestion et de conduite d'une vente aux encheres sur reseau WO2001004816A1 (fr)

Priority Applications (4)

Application Number Priority Date Filing Date Title
AU60761/00A AU6076100A (en) 1999-07-09 2000-07-07 Method and system for managing and conducting a network auction
EP20000947096 EP1208505A4 (fr) 1999-07-09 2000-07-07 Procede et systeme de gestion et de conduite d'une vente aux encheres sur reseau
CA002378546A CA2378546A1 (fr) 1999-07-09 2000-07-07 Procede et systeme de gestion et de conduite d'une vente aux encheres sur reseau
HK02108522.8A HK1048529A1 (zh) 1999-07-09 2002-11-25 管理和進行網絡拍賣的方法和系統

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US14302199P 1999-07-09 1999-07-09
US60/143,021 1999-07-09

Publications (1)

Publication Number Publication Date
WO2001004816A1 true WO2001004816A1 (fr) 2001-01-18

Family

ID=22502248

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2000/018582 WO2001004816A1 (fr) 1999-07-09 2000-07-07 Procede et systeme de gestion et de conduite d'une vente aux encheres sur reseau

Country Status (6)

Country Link
EP (1) EP1208505A4 (fr)
AR (1) AR024692A1 (fr)
AU (1) AU6076100A (fr)
CA (1) CA2378546A1 (fr)
HK (1) HK1048529A1 (fr)
WO (1) WO2001004816A1 (fr)

Cited By (63)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
SG100784A1 (en) * 2001-07-13 2003-12-26 Hitachi Ltd Inance applying method on electronic commerce system
US6814282B2 (en) 1999-10-26 2004-11-09 First Data Corporation Systems and methods of introducing and receiving information across a computer network
US6827260B2 (en) 1999-08-09 2004-12-07 First Data Corporation Systems and methods for utilizing a point-of-sale system
US6886742B2 (en) 1999-08-09 2005-05-03 First Data Corporation Systems and methods for deploying a point-of sale device
US6922673B2 (en) 2000-12-15 2005-07-26 Fist Data Corporation Systems and methods for ordering and distributing incentive messages
US7003493B2 (en) 2003-01-22 2006-02-21 First Data Corporation Direct payment with token
US7003479B2 (en) 2000-12-15 2006-02-21 First Data Corporation Systems and methods for ordering and distributing incentive messages
US7039616B2 (en) * 2001-03-12 2006-05-02 Jan Wendenburg Method for proof of transaction
US7086584B2 (en) 1999-08-09 2006-08-08 First Data Corporation Systems and methods for configuring a point-of-sale system
US7104440B2 (en) 1999-10-26 2006-09-12 First Data Corporation Money transfer systems and methods for travelers
US7177836B1 (en) 1999-12-30 2007-02-13 First Data Corporation Method and system for facilitating financial transactions between consumers over the internet
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
US7376587B1 (en) 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
US7483856B2 (en) 2001-01-17 2009-01-27 Xprt Ventures, Llc System and method for effecting payment for an electronic auction commerce transaction
US7487127B2 (en) 2002-03-27 2009-02-03 First Data Corporation Merchant cash payment systems and methods
US7512563B2 (en) 2001-01-17 2009-03-31 Xprt Ventures, Llc System and method to automate payment for a commerce transaction
US7516100B1 (en) 2000-05-12 2009-04-07 The Western Union Company Method and system for transferring money in business-to-business internet transactions
US7540410B2 (en) 1999-08-09 2009-06-02 First Data Corporation Point of sale payment terminal
US7571140B2 (en) 2002-12-16 2009-08-04 First Data Corporation Payment management
US7593898B1 (en) 1999-12-30 2009-09-22 First Data Corporation Method and system for payment transactions and shipment tracking over the internet
US7600673B2 (en) 1999-08-09 2009-10-13 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US7610244B2 (en) 2001-01-17 2009-10-27 Xprt Ventures, Llc System and method for effecting payment for an item offered for an electronic auction sale
US7613655B2 (en) 1999-10-26 2009-11-03 Western Union Company Value transfer systems and methods
US7627528B2 (en) 2001-01-17 2009-12-01 Xprt Ventures, Llc System and method for effecting a real-time payment for an item won on an electronic auction
US7654449B2 (en) 1999-10-26 2010-02-02 The Western Union Company Method and system for performing money transfer transactions
US7707110B2 (en) 2004-05-04 2010-04-27 First Data Corporation System and method for conducting transactions with different forms of payment
US7716128B2 (en) 2001-03-31 2010-05-11 The Western Union Company Electronic indentifier payment systems and methods
US7753267B2 (en) 2005-05-18 2010-07-13 The Western Union Company In-lane money transfer systems and methods
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
US7813982B2 (en) 2004-11-08 2010-10-12 First Data Corporation Unit-based prepaid presentation instrument accounts and methods
US7822640B2 (en) 2003-10-28 2010-10-26 First Data Corporation Multi-card bulk package identifying activation systems and methods
US7831519B2 (en) 2003-12-17 2010-11-09 First Data Corporation Methods and systems for electromagnetic initiation of secure transactions
US7917395B2 (en) 2004-09-28 2011-03-29 The Western Union Company Wireless network access prepayment systems and methods
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US7949600B1 (en) 2000-06-27 2011-05-24 Western Union Financial Services, Inc. Method for facilitating payment of a computerized transaction
US8041606B2 (en) 2000-02-29 2011-10-18 The Western Union Company Online purchasing method
US8086539B2 (en) 2002-06-11 2011-12-27 The Western Union Company Value processing network and methods
US8095113B2 (en) 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US8099359B1 (en) 1999-04-19 2012-01-17 The Western Union Company System and method for issuing negotiable instruments by licensed money transmitter from direct deposits
US8160933B2 (en) 2003-04-30 2012-04-17 Ebay Inc. Method and system to automate payment for a commerce transaction
US8244632B2 (en) 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
US20120265678A1 (en) * 2011-04-15 2012-10-18 Bank Of America Corporation Social network payment settlement system
US8346611B2 (en) 2009-04-21 2013-01-01 First Data Corporation Systems and methods for pre-paid futures procurement
US8345931B2 (en) 2006-02-10 2013-01-01 The Western Union Company Biometric based authorization systems for electronic fund transfers
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
US8494956B2 (en) 1999-10-26 2013-07-23 The Western Union Company Internet funds transfer system using ATM pickup
US8515874B2 (en) 2001-03-31 2013-08-20 The Western Union Company Airline ticket payment and reservation system and methods
US8554614B2 (en) 2002-06-10 2013-10-08 First Data Corporation Methods and systems for bulk activation of multiple, disparate stored value accounts
US8565723B2 (en) 2007-10-17 2013-10-22 First Data Corporation Onetime passwords for mobile wallets
US8650071B2 (en) 2010-05-10 2014-02-11 First Data Corporation Mobile coupon analysis systems and methods
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US8960537B2 (en) 2004-10-19 2015-02-24 The Western Union Company Money transfer systems and methods
US9129464B2 (en) 2001-03-31 2015-09-08 The Western Union Company Staged transactions systems and methods
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
US9898581B2 (en) 2002-06-11 2018-02-20 First Data Corporation Health care eligibility verification and settlement systems and methods
US10269203B2 (en) 2005-08-23 2019-04-23 The Western Union Company Presentation instrument display and activation systems and methods
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system
US10395484B2 (en) 2002-08-20 2019-08-27 The Western Union Company Multi-purpose kiosk and methods
US10402824B2 (en) 2003-04-25 2019-09-03 The Western Union Company Systems and methods for verifying identities in transactions
US10410201B2 (en) 2007-07-30 2019-09-10 First Data Corporation Mobile communication systems and methods for redeeming and reporting coupons
US10558957B2 (en) 2000-07-11 2020-02-11 The Western Union Company Requestor-based funds transfer system and methods
US10783502B2 (en) 2002-11-06 2020-09-22 The Western Union Company Multiple-entity transaction systems and methods

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
US5890138A (en) * 1996-08-26 1999-03-30 Bid.Com International Inc. Computer auction system
US5924083A (en) * 1996-05-29 1999-07-13 Geneva Branch Of Reuters Transaction Services Limited Distributed matching system for displaying a book of credit filtered bids and offers
US6018722A (en) * 1994-04-18 2000-01-25 Aexpert Advisory, Inc. S.E.C. registered individual account investment advisor expert system
US6023686A (en) * 1996-02-20 2000-02-08 Health Hero Network Method for conducting an on-line bidding session with bid pooling
US6084528A (en) * 1996-09-05 2000-07-04 Symbol Technologies, Inc. Intranet scanning terminal system

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6018722A (en) * 1994-04-18 2000-01-25 Aexpert Advisory, Inc. S.E.C. registered individual account investment advisor expert system
US6023686A (en) * 1996-02-20 2000-02-08 Health Hero Network Method for conducting an on-line bidding session with bid pooling
US5924083A (en) * 1996-05-29 1999-07-13 Geneva Branch Of Reuters Transaction Services Limited Distributed matching system for displaying a book of credit filtered bids and offers
US5890138A (en) * 1996-08-26 1999-03-30 Bid.Com International Inc. Computer auction system
US5794207A (en) * 1996-09-04 1998-08-11 Walker Asset Management Limited Partnership Method and apparatus for a cryptographically assisted commercial network system designed to facilitate buyer-driven conditional purchase offers
US6084528A (en) * 1996-09-05 2000-07-04 Symbol Technologies, Inc. Intranet scanning terminal system

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1208505A4 *

Cited By (102)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8099359B1 (en) 1999-04-19 2012-01-17 The Western Union Company System and method for issuing negotiable instruments by licensed money transmitter from direct deposits
US7086584B2 (en) 1999-08-09 2006-08-08 First Data Corporation Systems and methods for configuring a point-of-sale system
US7540410B2 (en) 1999-08-09 2009-06-02 First Data Corporation Point of sale payment terminal
US6827260B2 (en) 1999-08-09 2004-12-07 First Data Corporation Systems and methods for utilizing a point-of-sale system
US6886742B2 (en) 1999-08-09 2005-05-03 First Data Corporation Systems and methods for deploying a point-of sale device
US7506809B2 (en) 1999-08-09 2009-03-24 First Data Corporation Systems and methods for configuring a point-of-sale system
US7600673B2 (en) 1999-08-09 2009-10-13 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US8494956B2 (en) 1999-10-26 2013-07-23 The Western Union Company Internet funds transfer system using ATM pickup
US7664703B2 (en) 1999-10-26 2010-02-16 The Western Union Company Value transfer systems and methods
US7104440B2 (en) 1999-10-26 2006-09-12 First Data Corporation Money transfer systems and methods for travelers
US7578434B2 (en) 1999-10-26 2009-08-25 The Western Union Company System and method for transferring money from one country to a stored value account in a different country
US8955741B2 (en) 1999-10-26 2015-02-17 The Western Union Company Money transfer systems and methods for travelers
US8051003B2 (en) 1999-10-26 2011-11-01 The Western Union Company Systems and methods of introducing and receiving information across a computer network
US7950575B2 (en) 1999-10-26 2011-05-31 The Western Union Company Method and system for performing money transfer transactions
US7613655B2 (en) 1999-10-26 2009-11-03 Western Union Company Value transfer systems and methods
US10558960B2 (en) 1999-10-26 2020-02-11 The Western Union Company Cash payment for remote transactions
US7654449B2 (en) 1999-10-26 2010-02-02 The Western Union Company Method and system for performing money transfer transactions
US7673792B2 (en) 1999-10-26 2010-03-09 The Western Union Company Method and system for performing money transfer transactions
US6814282B2 (en) 1999-10-26 2004-11-09 First Data Corporation Systems and methods of introducing and receiving information across a computer network
US7549575B2 (en) 1999-10-26 2009-06-23 The Western Union Company Money transfer systems and methods for travelers
US8271382B2 (en) 1999-10-26 2012-09-18 The Western Union Company Systems and methods of introducing and receiving information across a computer network
US7765148B2 (en) 1999-12-30 2010-07-27 First Data Corporation Method and system for facilitating payment of an online auction transaction
US7797235B2 (en) 1999-12-30 2010-09-14 First Data Corporation On-line cash register to use in providing a consumer-to-consumer payment service
US7177836B1 (en) 1999-12-30 2007-02-13 First Data Corporation Method and system for facilitating financial transactions between consumers over the internet
US7593898B1 (en) 1999-12-30 2009-09-22 First Data Corporation Method and system for payment transactions and shipment tracking over the internet
US8041606B2 (en) 2000-02-29 2011-10-18 The Western Union Company Online purchasing method
US8412627B2 (en) 2000-02-29 2013-04-02 The Western Union Company Online funds transfer method
US10489753B2 (en) 2000-02-29 2019-11-26 The Western Union Company Electronic purchasing and funds transfer systems and methods
US8538870B2 (en) 2000-02-29 2013-09-17 First Data Corporation Electronic purchasing and funds transfer systems and methods
US7574389B2 (en) 2000-05-12 2009-08-11 The Western Union Company Method and system for transferring money in business-to-business internet transactions
US7937322B2 (en) 2000-05-12 2011-05-03 The Western Union Company Method and system for transferring money in business-to-business internet transactions
US7516100B1 (en) 2000-05-12 2009-04-07 The Western Union Company Method and system for transferring money in business-to-business internet transactions
US7949600B1 (en) 2000-06-27 2011-05-24 Western Union Financial Services, Inc. Method for facilitating payment of a computerized transaction
US7376587B1 (en) 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
US10558957B2 (en) 2000-07-11 2020-02-11 The Western Union Company Requestor-based funds transfer system and methods
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
US7908179B2 (en) 2000-12-15 2011-03-15 The Western Union Company Electronic gift linking
US7003479B2 (en) 2000-12-15 2006-02-21 First Data Corporation Systems and methods for ordering and distributing incentive messages
US6922673B2 (en) 2000-12-15 2005-07-26 Fist Data Corporation Systems and methods for ordering and distributing incentive messages
US7599881B2 (en) 2001-01-17 2009-10-06 Xprt Ventures, Llc System and method for offering an incentive to a user of an electronic commerce web site
US7567937B2 (en) 2001-01-17 2009-07-28 Xprt Ventures, Llc System and method for automatically effecting payment for a user of an electronic auction system
US7512563B2 (en) 2001-01-17 2009-03-31 Xprt Ventures, Llc System and method to automate payment for a commerce transaction
US7610244B2 (en) 2001-01-17 2009-10-27 Xprt Ventures, Llc System and method for effecting payment for an item offered for an electronic auction sale
US9852469B1 (en) 2001-01-17 2017-12-26 Xprt Ventures, Llc System and method for effecting payment for an electronic commerce transaction
US7627528B2 (en) 2001-01-17 2009-12-01 Xprt Ventures, Llc System and method for effecting a real-time payment for an item won on an electronic auction
US7483856B2 (en) 2001-01-17 2009-01-27 Xprt Ventures, Llc System and method for effecting payment for an electronic auction commerce transaction
US7039616B2 (en) * 2001-03-12 2006-05-02 Jan Wendenburg Method for proof of transaction
US8515874B2 (en) 2001-03-31 2013-08-20 The Western Union Company Airline ticket payment and reservation system and methods
US9129464B2 (en) 2001-03-31 2015-09-08 The Western Union Company Staged transactions systems and methods
US8706640B2 (en) 2001-03-31 2014-04-22 The Western Union Company Systems and methods for enrolling consumers in goods and services
US7716128B2 (en) 2001-03-31 2010-05-11 The Western Union Company Electronic indentifier payment systems and methods
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
SG100784A1 (en) * 2001-07-13 2003-12-26 Hitachi Ltd Inance applying method on electronic commerce system
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
US8244632B2 (en) 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
US7487127B2 (en) 2002-03-27 2009-02-03 First Data Corporation Merchant cash payment systems and methods
US9785931B2 (en) 2002-06-10 2017-10-10 Valuelink, Llc Methods and systems for bulk activation of multiple, disparate stored value accounts
US8554614B2 (en) 2002-06-10 2013-10-08 First Data Corporation Methods and systems for bulk activation of multiple, disparate stored value accounts
US8086539B2 (en) 2002-06-11 2011-12-27 The Western Union Company Value processing network and methods
US9898581B2 (en) 2002-06-11 2018-02-20 First Data Corporation Health care eligibility verification and settlement systems and methods
US11403920B2 (en) 2002-08-20 2022-08-02 The Western Union Company Multi-purpose kiosk and methods
US10395484B2 (en) 2002-08-20 2019-08-27 The Western Union Company Multi-purpose kiosk and methods
US10783502B2 (en) 2002-11-06 2020-09-22 The Western Union Company Multiple-entity transaction systems and methods
US7571140B2 (en) 2002-12-16 2009-08-04 First Data Corporation Payment management
US7003493B2 (en) 2003-01-22 2006-02-21 First Data Corporation Direct payment with token
US7778903B2 (en) 2003-01-22 2010-08-17 First Data Corporation Direct payment with token
US10402824B2 (en) 2003-04-25 2019-09-03 The Western Union Company Systems and methods for verifying identities in transactions
US8364556B2 (en) 2003-04-30 2013-01-29 Ebay Inc. Method and system to automate payment for a commerce transaction
US8160933B2 (en) 2003-04-30 2012-04-17 Ebay Inc. Method and system to automate payment for a commerce transaction
US7822640B2 (en) 2003-10-28 2010-10-26 First Data Corporation Multi-card bulk package identifying activation systems and methods
US8370205B2 (en) 2003-10-28 2013-02-05 First Data Corporation System for activation of multiple cards
US8650086B2 (en) 2003-10-28 2014-02-11 First Data Corporation System for activation of multiple cards
US9152954B2 (en) 2003-10-28 2015-10-06 First Data Corporation System for activation of multiple cards
US7831519B2 (en) 2003-12-17 2010-11-09 First Data Corporation Methods and systems for electromagnetic initiation of secure transactions
US7707110B2 (en) 2004-05-04 2010-04-27 First Data Corporation System and method for conducting transactions with different forms of payment
US7917395B2 (en) 2004-09-28 2011-03-29 The Western Union Company Wireless network access prepayment systems and methods
US10296876B2 (en) 2004-09-28 2019-05-21 The Western Union Company Wireless network access prepayment systems and methods
US8960537B2 (en) 2004-10-19 2015-02-24 The Western Union Company Money transfer systems and methods
US7813982B2 (en) 2004-11-08 2010-10-12 First Data Corporation Unit-based prepaid presentation instrument accounts and methods
US8851371B2 (en) 2005-05-18 2014-10-07 The Western Union Company In-lane money transfer systems and methods
US7753267B2 (en) 2005-05-18 2010-07-13 The Western Union Company In-lane money transfer systems and methods
US9384476B2 (en) 2005-05-18 2016-07-05 The Western Union Company Money transfer system and method
US10269203B2 (en) 2005-08-23 2019-04-23 The Western Union Company Presentation instrument display and activation systems and methods
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
US8345931B2 (en) 2006-02-10 2013-01-01 The Western Union Company Biometric based authorization systems for electronic fund transfers
US8837784B2 (en) 2006-02-10 2014-09-16 The Western Union Company Biometric based authorization systems for electronic fund transfers
US9542684B2 (en) 2006-02-10 2017-01-10 The Western Union Company Biometric based authorization systems for electronic fund transfers
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9123044B2 (en) 2007-01-17 2015-09-01 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US10311410B2 (en) 2007-03-28 2019-06-04 The Western Union Company Money transfer system and messaging system
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
US11295289B2 (en) 2007-07-30 2022-04-05 First Data Corporation Mobile communication systems and methods for redeeming and reporting coupons
US10410201B2 (en) 2007-07-30 2019-09-10 First Data Corporation Mobile communication systems and methods for redeeming and reporting coupons
US8095113B2 (en) 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US8565723B2 (en) 2007-10-17 2013-10-22 First Data Corporation Onetime passwords for mobile wallets
US8346611B2 (en) 2009-04-21 2013-01-01 First Data Corporation Systems and methods for pre-paid futures procurement
US8650071B2 (en) 2010-05-10 2014-02-11 First Data Corporation Mobile coupon analysis systems and methods
US9460447B2 (en) 2010-05-10 2016-10-04 First Data Corporation Mobile coupon analysis systems and methods
US10102538B2 (en) 2010-05-10 2018-10-16 First Data Corporation Mobile coupon analysis systems and methods
US20120265678A1 (en) * 2011-04-15 2012-10-18 Bank Of America Corporation Social network payment settlement system
US8412630B2 (en) * 2011-04-15 2013-04-02 Bank Of America Corporation Social network payment settlement system

Also Published As

Publication number Publication date
HK1048529A1 (zh) 2003-04-04
EP1208505A4 (fr) 2002-10-23
AU6076100A (en) 2001-01-30
CA2378546A1 (fr) 2001-01-18
EP1208505A1 (fr) 2002-05-29
AR024692A1 (es) 2002-10-23

Similar Documents

Publication Publication Date Title
US7249055B1 (en) Method and system for managing and conducting a network auction
WO2001004816A1 (fr) Procede et systeme de gestion et de conduite d'une vente aux encheres sur reseau
US20200364777A1 (en) Apparatus to provide liquid funds in the online auction environment
US7765148B2 (en) Method and system for facilitating payment of an online auction transaction
US7593898B1 (en) Method and system for payment transactions and shipment tracking over the internet
US8296231B2 (en) Network accessible funds transfer system
US7451114B1 (en) Conducting commerce between individuals
US6246996B1 (en) Computerized system for facilitating transactions between parties on the internet using e-mail
US7899712B2 (en) Method and apparatus for facilitating online payment transactions in a network-based transaction facility
US20140337183A1 (en) Online processing for offshore business transactions
US20020087469A1 (en) Technique of registration for and direction of electronic payments in real-time
JP2004295920A (ja) 取引を容易にする方法
US20050278244A1 (en) Auction with methods and mechanisms to avoid fraud
JP2002531887A (ja) 電子的ファクタリング
KR100353016B1 (ko) 전자 상거래에 있어서 개인 금융 계좌를 이용한 지불 처리 방법 및 시스템
JP2001344456A (ja) 電子商取引方法、電子商取引支援方法および電子商取引支援プログラムが記録された記録媒体
CA2592534C (fr) Systeme de paiement informatise pour l'achat de produits d'information par transfert electronique sur internet
KR100474189B1 (ko) 기업간 전자결제 관리 방법
WO2006001776A1 (fr) Systeme de paiement electronique

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A1

Designated state(s): AE AL AM AT AU AZ BA BB BG BR BY CA CH CN CR CU CZ DE DK DM 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 MZ 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)
WWE Wipo information: entry into national phase

Ref document number: 2378546

Country of ref document: CA

WWE Wipo information: entry into national phase

Ref document number: 2000947096

Country of ref document: EP

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

WWP Wipo information: published in national office

Ref document number: 2000947096

Country of ref document: EP

WWW Wipo information: withdrawn in national office

Ref document number: 2000947096

Country of ref document: EP

NENP Non-entry into the national phase

Ref country code: JP