WO2001074031A3 - Method and apparatus for verifying value bearing instruments - Google Patents

Method and apparatus for verifying value bearing instruments Download PDF

Info

Publication number
WO2001074031A3
WO2001074031A3 PCT/US2001/010593 US0110593W WO0174031A3 WO 2001074031 A3 WO2001074031 A3 WO 2001074031A3 US 0110593 W US0110593 W US 0110593W WO 0174031 A3 WO0174031 A3 WO 0174031A3
Authority
WO
WIPO (PCT)
Prior art keywords
consumer
supplier
verification
secure transaction
service
Prior art date
Application number
PCT/US2001/010593
Other languages
French (fr)
Other versions
WO2001074031A2 (en
Inventor
Steve Atsushi Okamoto
Steven Miller Schattmaier
Kaenel Tim Von
Mike Todd Zeile
Original Assignee
Cma Business Credit Services
Steve Atsushi Okamoto
Steven Miller Schattmaier
Kaenel Tim Von
Mike Todd Zeile
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 Cma Business Credit Services, Steve Atsushi Okamoto, Steven Miller Schattmaier, Kaenel Tim Von, Mike Todd Zeile filed Critical Cma Business Credit Services
Priority to EP01923024A priority Critical patent/EP1269715A2/en
Priority to US10/240,130 priority patent/US20040128516A1/en
Priority to AU2001249763A priority patent/AU2001249763A1/en
Publication of WO2001074031A2 publication Critical patent/WO2001074031A2/en
Publication of WO2001074031A3 publication Critical patent/WO2001074031A3/en

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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/12—Applying verification of the received information

Landscapes

  • Engineering & Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Business, Economics & Management (AREA)
  • Computer Hardware Design (AREA)
  • Computing Systems (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Signal Processing (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A computer-implemented system provides secure distribution of value-bearing instruments, such as coupons, tickets, gift certificates, money orders and traveler's checks. The distribution system involves three parties which are the consumer of the instrument, the supplier of the instrument and a security party which is referred to as a secure transaction service. The consumer registers with the secure transaction service for identity verification either before or after a transaction is initiated with the supplier of products or services. Verification of the consumer's identity can be established at any required level. In one aspect of the system, the supplier provides the consumer with a confirmation token which the consumer must then provide to the secure transaction service together with identification information of the consumer, so that only the valid consumer can complete the transaction. By use of the confirmation token, the secure transaction service can obtain information, through either data pulling or pushing, from the product or service supplier. In certain cases, the secure transaction service generates the required product or service supplier. In certain cases, the securely transmits it to the validated consumer. Digital signatures can be used throughout the process to assure the integrity of the data and the identity of the sender. Other aspects of the system include multiple methods for verification of instruments which are issued and then validated at a verification site.
PCT/US2001/010593 2000-03-29 2001-03-28 Method and apparatus for verifying value bearing instruments WO2001074031A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
EP01923024A EP1269715A2 (en) 2000-03-29 2001-03-28 Method and apparatus for verifying value bearing instruments
US10/240,130 US20040128516A1 (en) 2001-03-28 2001-03-28 Method and apparatus for verifying bearing instruments
AU2001249763A AU2001249763A1 (en) 2000-03-29 2001-03-28 Method and apparatus for verifying value bearing instruments

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US19317300P 2000-03-29 2000-03-29
US60/193,173 2000-03-29

Publications (2)

Publication Number Publication Date
WO2001074031A2 WO2001074031A2 (en) 2001-10-04
WO2001074031A3 true WO2001074031A3 (en) 2002-05-16

Family

ID=22712514

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/010593 WO2001074031A2 (en) 2000-03-29 2001-03-28 Method and apparatus for verifying value bearing instruments

Country Status (3)

Country Link
EP (1) EP1269715A2 (en)
AU (1) AU2001249763A1 (en)
WO (1) WO2001074031A2 (en)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2445172A (en) * 2006-12-29 2008-07-02 Symbian Software Ltd Use of an interaction object in transactions
WO2010007334A1 (en) * 2008-07-17 2010-01-21 Digital Locksmiths Ltd. Secure delivery of electronic tokens

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1999030256A1 (en) * 1997-12-11 1999-06-17 International Business Machines Corporation Method for electronic distribution and redemption of coupons on the world wide web
EP0932128A2 (en) * 1998-01-27 1999-07-28 NTT Data Corporation Electronic ticket system, collecting terminal, service providing terminal, user terminal, electronic ticket correcting method and recording medium
WO1999052055A1 (en) * 1998-04-06 1999-10-14 Netvalue, Inc. Method and system for electronic distribution of product redemption coupons

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1999030256A1 (en) * 1997-12-11 1999-06-17 International Business Machines Corporation Method for electronic distribution and redemption of coupons on the world wide web
EP0932128A2 (en) * 1998-01-27 1999-07-28 NTT Data Corporation Electronic ticket system, collecting terminal, service providing terminal, user terminal, electronic ticket correcting method and recording medium
WO1999052055A1 (en) * 1998-04-06 1999-10-14 Netvalue, Inc. Method and system for electronic distribution of product redemption coupons

Also Published As

Publication number Publication date
EP1269715A2 (en) 2003-01-02
AU2001249763A1 (en) 2001-10-08
WO2001074031A2 (en) 2001-10-04

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