WO2001061662A3 - Acces a des informations de plusieurs comptes financiers via l'internet - Google Patents

Acces a des informations de plusieurs comptes financiers via l'internet Download PDF

Info

Publication number
WO2001061662A3
WO2001061662A3 PCT/US2001/003130 US0103130W WO0161662A3 WO 2001061662 A3 WO2001061662 A3 WO 2001061662A3 US 0103130 W US0103130 W US 0103130W WO 0161662 A3 WO0161662 A3 WO 0161662A3
Authority
WO
WIPO (PCT)
Prior art keywords
internet
atm
computing system
protocol message
accounts
Prior art date
Application number
PCT/US2001/003130
Other languages
English (en)
Other versions
WO2001061662A2 (fr
Inventor
Michael Carleton
Guido Belcic
Jimmy Hallac
Peter Heydon
Original Assignee
Bpass 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 Bpass Inc filed Critical Bpass Inc
Priority to AU2001231260A priority Critical patent/AU2001231260A1/en
Publication of WO2001061662A2 publication Critical patent/WO2001061662A2/fr
Publication of WO2001061662A3 publication Critical patent/WO2001061662A3/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/229—Hierarchy of users of accounts
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip

Abstract

L'invention concerne un système et un procédé permettant d'accéder à des comptes financiers commandés par TMA sur l'Internet, de sorte que des clients de banque peuvent consolider des informations de compte sur différentes institutions financières, visualiser la position de leur compte et les transactions effectuées sur ce compte, et transférer des fonds entre des comptes sur l'Internet. Le système comprend un système informatique couplé entre l'Internet et le réseau TMA. Pendant cette opération, le système informatique est configuré de façon à recevoir, de l'utilisateur de l'Internet, une demande d'accès à ses comptes commandé par TMA. En réponse, le système informatique génère un message de protocole TMA et le passe sur le réseau TMA. La banque ou l'institution financière qui a émis la carte TMA traite ensuite le message de protocole TMA comme un message de protocole TMA ordinaire, et renvoie une réponse au système informatique. La réponse est ensuite convertie en message de protocole Internet et envoyée à l'utilisateur sur l'Internet.
PCT/US2001/003130 2000-02-14 2001-01-31 Acces a des informations de plusieurs comptes financiers via l'internet WO2001061662A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001231260A AU2001231260A1 (en) 2000-02-14 2001-01-31 Accessing information for multiple financial accounts via the internet

Applications Claiming Priority (10)

Application Number Priority Date Filing Date Title
US18229000P 2000-02-14 2000-02-14
US60/182,290 2000-02-14
US65222900A 2000-08-29 2000-08-29
US65047200A 2000-08-29 2000-08-29
US65047100A 2000-08-29 2000-08-29
US65022000A 2000-08-29 2000-08-29
US09/650,471 2000-08-29
US09/650,472 2000-08-29
US09/650,220 2000-08-29
US09/652,229 2000-08-29

Publications (2)

Publication Number Publication Date
WO2001061662A2 WO2001061662A2 (fr) 2001-08-23
WO2001061662A3 true WO2001061662A3 (fr) 2002-02-21

Family

ID=27539065

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/003130 WO2001061662A2 (fr) 2000-02-14 2001-01-31 Acces a des informations de plusieurs comptes financiers via l'internet

Country Status (2)

Country Link
AU (1) AU2001231260A1 (fr)
WO (1) WO2001061662A2 (fr)

Families Citing this family (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2384357A (en) * 2002-01-22 2003-07-23 Ncr Int Inc Self-service terminal for aggregating financial information
GB2387702B (en) * 2002-04-17 2005-06-01 Cellectivity Ltd Method of access control using PIN numbers
WO2011028139A1 (fr) * 2009-09-07 2011-03-10 Kiwibank Limited Système d'échange d'information
US20110196790A1 (en) 2010-02-05 2011-08-11 Milne Benjamin P Transaction processing system
US9792636B2 (en) 2011-01-25 2017-10-17 Dwolla, Inc. Social network transaction processing system
US8538806B2 (en) 2011-10-20 2013-09-17 Rawllin International Inc. Systems and methods for establishing transactions utilizing a data store of billing information
US9027109B2 (en) 2013-02-28 2015-05-05 Citibank, N.A. Methods and systems for accessing account information electronically
CN110738558B (zh) * 2018-07-20 2024-03-05 京东科技控股股份有限公司 信息修复方法、装置、电子设备及计算机可读介质

Citations (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0438020A2 (fr) * 1990-01-17 1991-07-24 International Business Machines Corporation Procédé et système pour la commande automatique de la distribution d'objets de donnée
EP0532226A2 (fr) * 1991-09-13 1993-03-17 AT&T Corp. Chiffrage d'un message de parole et de commande dans un système de radio cellulaire
US5197147A (en) * 1990-02-05 1993-03-23 Vlsi Technology, Inc. Keycode translation system for producing translated keycode signals responsive to keyboard signals which act as a pointer to keycode translation table
DE4326826A1 (de) * 1993-08-10 1995-02-16 Siemens Ag Verfahren und Fernbedienung von Anrufbeantwortern
DE19600406A1 (de) * 1995-01-09 1996-07-18 Motorola Inc Verfahren und Vorrichtung zur Bereitstellung verschlüsselter Nachrichten
JPH09224023A (ja) * 1996-02-15 1997-08-26 Oki Electric Ind Co Ltd ネットワーク資源管理システム
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
WO1998047112A1 (fr) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Procede de vente electronique, de distribution, et de recharge d'une valeur prepayee, appareil de vente et systeme electronique s'utilisant dans cet appareil
US5850442A (en) * 1996-03-26 1998-12-15 Entegrity Solutions Corporation Secure world wide electronic commerce over an open network
WO1999023579A1 (fr) * 1997-11-05 1999-05-14 Microsoft Corporation Systeme d'etablissement de plan de notification sur un dispositif mobile
JPH11164041A (ja) * 1997-11-28 1999-06-18 Ricoh Co Ltd 音声メールサーバー装置
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users
US5974141A (en) * 1995-03-31 1999-10-26 Mitsubishi Corporation Data management system
US5971272A (en) * 1997-08-19 1999-10-26 At&T Corp. Secured personal identification number
US5987500A (en) * 1995-11-13 1999-11-16 Pi-Net International, Inc. Value-added network system for enabling real-time, by-directional transactions on a network
US6003019A (en) * 1996-11-29 1999-12-14 Ncr Corporation Multi-transaction service system

Patent Citations (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0438020A2 (fr) * 1990-01-17 1991-07-24 International Business Machines Corporation Procédé et système pour la commande automatique de la distribution d'objets de donnée
US5197147A (en) * 1990-02-05 1993-03-23 Vlsi Technology, Inc. Keycode translation system for producing translated keycode signals responsive to keyboard signals which act as a pointer to keycode translation table
EP0532226A2 (fr) * 1991-09-13 1993-03-17 AT&T Corp. Chiffrage d'un message de parole et de commande dans un système de radio cellulaire
DE4326826A1 (de) * 1993-08-10 1995-02-16 Siemens Ag Verfahren und Fernbedienung von Anrufbeantwortern
DE19600406A1 (de) * 1995-01-09 1996-07-18 Motorola Inc Verfahren und Vorrichtung zur Bereitstellung verschlüsselter Nachrichten
US5974141A (en) * 1995-03-31 1999-10-26 Mitsubishi Corporation Data management system
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users
US5987500A (en) * 1995-11-13 1999-11-16 Pi-Net International, Inc. Value-added network system for enabling real-time, by-directional transactions on a network
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
JPH09224023A (ja) * 1996-02-15 1997-08-26 Oki Electric Ind Co Ltd ネットワーク資源管理システム
US5850442A (en) * 1996-03-26 1998-12-15 Entegrity Solutions Corporation Secure world wide electronic commerce over an open network
US6003019A (en) * 1996-11-29 1999-12-14 Ncr Corporation Multi-transaction service system
WO1998047112A1 (fr) * 1997-04-15 1998-10-22 Stratex/Paradigm (Uk) Limited Procede de vente electronique, de distribution, et de recharge d'une valeur prepayee, appareil de vente et systeme electronique s'utilisant dans cet appareil
US5971272A (en) * 1997-08-19 1999-10-26 At&T Corp. Secured personal identification number
WO1999023579A1 (fr) * 1997-11-05 1999-05-14 Microsoft Corporation Systeme d'etablissement de plan de notification sur un dispositif mobile
JPH11164041A (ja) * 1997-11-28 1999-06-18 Ricoh Co Ltd 音声メールサーバー装置

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 1997, no. 12 25 December 1997 (1997-12-25) *
PATENT ABSTRACTS OF JAPAN vol. 1999, no. 11 30 September 1999 (1999-09-30) *

Also Published As

Publication number Publication date
WO2001061662A2 (fr) 2001-08-23
AU2001231260A1 (en) 2001-08-27

Similar Documents

Publication Publication Date Title
AR002404A1 (es) Sistema de banca personal de servicio completo e integrado y sistema y metodo de apertura de cuentas.
WO2000067219A8 (fr) Procede et systeme permettant le traitement de paiements par l'internet utilisant un reseau de transfert electronique de fonds
MXPA01010814A (es) Caja de bloqueo virtual privada.
US20070214080A1 (en) Intermediary payment system and method
MXPA03009149A (es) Tecnica de transferencia de dinero.
CA2410746A1 (fr) Procede, systeme et support lisible par un ordinateur pour compte de site web et gestion de commerce electronique a partir d'une implantation centrale
CA2396006A1 (fr) Systeme et procede automatises de surveillance de transactions financieres
WO2001084276A3 (fr) Systeme et procede internationaux de paiement
WO2003075131A3 (fr) Systeme et procede d'execution securisee de transactions financieres en temps reel au sein d'une infrastructure de communications publiques avec authentification efficace
WO2005006111A3 (fr) Procede et systeme pour faciliter la commutation de comptes d'institutions financieres
WO2004021130A3 (fr) Procede et systemes destines a faciliter des operations de paiement a l'aide de dispositifs d'acces
NZ286668A (en) Sign-on and certificate update security for electronic money transaction modules
WO2002059847B1 (fr) Systeme et procede de transfert de paiements en ligne et de gestion d'identites
WO2001046918A3 (fr) Procede et systeme pour l'execution authentifiee de paiements securises sur un reseau informatique
WO2002001462A3 (fr) Procede et systeme permettant de collecter, de memoriser et de transmettre des informations
EP0935224A3 (fr) Système pour effectuer des transactions financières avec une carte à puce
WO2003036435A3 (fr) Procede et systeme de transfert de fonds
WO2004114168A8 (fr) Systeme et procede facilitant le paiement en ligne
US20140379562A1 (en) Intermediary payment and escrow system and method
CN101027688A (zh) 具有货币换算功能的atm机和方法
WO2001061662A3 (fr) Acces a des informations de plusieurs comptes financiers via l'internet
WO2001029637A3 (fr) Systeme et procede pour effectuer des transactions electroniques sures
US8041099B2 (en) Check verification system
AU780267B2 (en) A method of conducting financial transactions
WO2002086676A3 (fr) Systeme et procede d'utilisation d'une carte prepayee

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ 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 MZ 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: A2

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 TR 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: A3

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ 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 MZ 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: A3

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 TR BF BJ CF CG CI CM GA GN GW ML MR NE SN TD TG

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

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

Ref country code: JP