WO2002011089A1 - Systeme de virement electronique a l'aide d'un reglement par carte de credit et d'une infrastructure d'un reseau financier - Google Patents

Systeme de virement electronique a l'aide d'un reglement par carte de credit et d'une infrastructure d'un reseau financier Download PDF

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Publication number
WO2002011089A1
WO2002011089A1 PCT/SG2001/000153 SG0100153W WO0211089A1 WO 2002011089 A1 WO2002011089 A1 WO 2002011089A1 SG 0100153 W SG0100153 W SG 0100153W WO 0211089 A1 WO0211089 A1 WO 0211089A1
Authority
WO
WIPO (PCT)
Prior art keywords
payment
payer
account
payee
financial
Prior art date
Application number
PCT/SG2001/000153
Other languages
English (en)
Inventor
Tien Poh Kenneth Wong
Original Assignee
Vcheq.Com Pte Ltd
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 Vcheq.Com Pte Ltd filed Critical Vcheq.Com Pte Ltd
Priority to AU2001272888A priority Critical patent/AU2001272888A1/en
Publication of WO2002011089A1 publication Critical patent/WO2002011089A1/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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—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

Definitions

  • the payee provides the invoice to the payer by transmitting said invoice via a business hub or business portal.
  • the unique identifier for each party is desirably registered with the payment gateway in relation to a at least one account with a financial institution.
  • a party may register a merchant account for selling purposes and/or a debit account for purchasing purposes, as required.
  • VISANET interface 320 and VAN interface 321 each implement message formatting and protocol handling for the respective financial network communications systems.
  • FIGs 5A and 5B a schematic diagram of a second embodiment of the electronic funds transfer system of the invention is illustrated in FIGs 5A and 5B.
  • the system 500 provides a highly reliable and predictable service for mission critical business to business payments. The operation will withstand high volume on-line transaction on a continuous 24x7x365 basis.
  • the transaction processing volume capacity of the system of the second embodiment is estimated at 1.8 million per day.
  • the web hit rate is estimated at 300K per day.

Landscapes

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

Abstract

L'invention concerne un appareil et un procédé permettant d'effectuer un virement électronique entre le compte d'un payeur et le compte d'un bénéficiaire, le compte du payeur et le compte du bénéficiaire étant l'un et l'autre gérés par un établissement financier membre d'un réseau de règlement financier. Un payeur (10) envoie un bon de commande (200) à un bénéficiaire (102) par un centre d'affaires (103), ce bon de commande identifiant le payeur. En réponse au bon de commande reçu, le payeur envoie une facture (201) au payeur via le centre d'affaires, cette facture identifiant le compte du bénéficiaire en vue de créditer du montant de l'achat. En réponse à la facture reçue et après approbation de l'achat, le payeur envoie un ordre de paiement sécurisé (202) à la passerelle de paiement (104), cet ordre de paiement identifiant le compte du payeur à débiter. En réponse à l'ordre de paiement sécurisé reçu et après vérification de l'authenticité (203) de l'ordre de paiement, la passerelle de paiement créée un message de demande de paiement (204) pour l'établissement financier du payeur (106) et envoie la demande de paiement au réseau de règlement (105). En réponse au message d'autorisation de paiement (205) émanant de l'établissement financier du payeur, la passerelle de paiement (104) notifie l'autorisation de paiement (206). Le réseau de règlement financier (105) facilite le règlement financier (209) sur une base nette entre l'établissement financier du payeur et l'établissement financier du bénéficiaire.
PCT/SG2001/000153 2000-07-31 2001-07-20 Systeme de virement electronique a l'aide d'un reglement par carte de credit et d'une infrastructure d'un reseau financier WO2002011089A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001272888A AU2001272888A1 (en) 2000-07-31 2001-07-20 An electronic funds transfer system using credit card settlement and financial network infrastructure

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SG200004310-9 2000-07-31
SG200004310 2000-07-31

Publications (1)

Publication Number Publication Date
WO2002011089A1 true WO2002011089A1 (fr) 2002-02-07

Family

ID=20430636

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SG2001/000153 WO2002011089A1 (fr) 2000-07-31 2001-07-20 Systeme de virement electronique a l'aide d'un reglement par carte de credit et d'une infrastructure d'un reseau financier

Country Status (3)

Country Link
AU (1) AU2001272888A1 (fr)
TW (1) TW513680B (fr)
WO (1) WO2002011089A1 (fr)

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2369711A (en) * 2000-11-14 2002-06-05 Vcheq Com Pte Ltd An electronic funds transfer system for processing multiple currency transactions
WO2004017270A1 (fr) * 2002-08-19 2004-02-26 Accenture Global Services Gmbh Gestion de paiements electroniques
WO2006014310A1 (fr) * 2004-07-06 2006-02-09 Visa International Service Association Service de transfert d'argent avec authentification
WO2008092010A2 (fr) * 2007-01-28 2008-07-31 Bora Payment Systems, Llc Concentrateur direct de payeur
EP2135212A4 (fr) * 2007-04-06 2011-09-14 Mastercard International Inc Procédés et appareil pour des versements de fonds à des comptes sans carte de paiement à l'aide d'un système de carte de paiement
EP2135211A4 (fr) * 2007-04-06 2011-09-14 Mastercard International Inc Système de versement à base de carte de paiement avec distribution d'informations contre le blanchiment d'argent à l'institution financière d'origine
US8606692B2 (en) 2010-11-08 2013-12-10 Bank Of America Corporation Processing loan transactions
US8694425B2 (en) 1999-05-03 2014-04-08 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments using the electronic funds transfer network
US8914307B2 (en) 2010-11-08 2014-12-16 Bank Of America Corporation Processing loan transactions

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2251098A (en) * 1990-12-17 1992-06-24 Allied Irish Banks P L C Apparatus for processing data
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments
US5920847A (en) * 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2251098A (en) * 1990-12-17 1992-06-24 Allied Irish Banks P L C Apparatus for processing data
US5920847A (en) * 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US5677955A (en) * 1995-04-07 1997-10-14 Financial Services Technology Consortium Electronic funds transfer instruments

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US8694425B2 (en) 1999-05-03 2014-04-08 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments using the electronic funds transfer network
GB2369711A (en) * 2000-11-14 2002-06-05 Vcheq Com Pte Ltd An electronic funds transfer system for processing multiple currency transactions
WO2004017270A1 (fr) * 2002-08-19 2004-02-26 Accenture Global Services Gmbh Gestion de paiements electroniques
WO2006014310A1 (fr) * 2004-07-06 2006-02-09 Visa International Service Association Service de transfert d'argent avec authentification
US8016185B2 (en) 2004-07-06 2011-09-13 Visa International Service Association Money transfer service with authentication
WO2008092010A2 (fr) * 2007-01-28 2008-07-31 Bora Payment Systems, Llc Concentrateur direct de payeur
WO2008092010A3 (fr) * 2007-01-28 2008-09-12 Bora Payment Systems Llc Concentrateur direct de payeur
US7676434B2 (en) 2007-01-28 2010-03-09 Bora Payment Systems, Llc Payer direct hub
EP2135212A4 (fr) * 2007-04-06 2011-09-14 Mastercard International Inc Procédés et appareil pour des versements de fonds à des comptes sans carte de paiement à l'aide d'un système de carte de paiement
EP2135211A4 (fr) * 2007-04-06 2011-09-14 Mastercard International Inc Système de versement à base de carte de paiement avec distribution d'informations contre le blanchiment d'argent à l'institution financière d'origine
US8606692B2 (en) 2010-11-08 2013-12-10 Bank Of America Corporation Processing loan transactions
US8914307B2 (en) 2010-11-08 2014-12-16 Bank Of America Corporation Processing loan transactions

Also Published As

Publication number Publication date
TW513680B (en) 2002-12-11
AU2001272888A1 (en) 2002-02-13

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