Connect public, paid and private patent data with Google Patents Public Datasets

Financial payment system and method

Info

Publication number
WO2002013148A3
WO2002013148A3 PCT/GB2001/002940 GB0102940W WO2002013148A3 WO 2002013148 A3 WO2002013148 A3 WO 2002013148A3 GB 0102940 W GB0102940 W GB 0102940W WO 2002013148 A3 WO2002013148 A3 WO 2002013148A3
Authority
WO
Grant status
Application
Patent type
Prior art keywords
services
goods
user
system
account
Prior art date
Application number
PCT/GB2001/002940
Other languages
French (fr)
Other versions
WO2002013148A2 (en )
Inventor
David Gordon Young
Original Assignee
Rue De Int Ltd
David Gordon Young
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

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems

Abstract

A financial payment system for use with the Internet. The system comprises an account provider (2) for administering a number of user accounts (8), each of which records a respective credit amount available for purchasing goods or services. The account provider (2) is accessible by users via a web portal. The account provider (2) includes apparatus to allow a user to access a goods or services retailer via the web portal, and to permit the purchase of goods or services if the value of those goods or services does not exceed the user's credit amount.
PCT/GB2001/002940 2000-08-07 2001-07-03 Financial payment system and method WO2002013148A3 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
GB0019356.5 2000-08-07
GB0019356A GB0019356D0 (en) 2000-08-07 2000-08-07 Financial payment system and method

Publications (2)

Publication Number Publication Date
WO2002013148A2 true WO2002013148A2 (en) 2002-02-14
WO2002013148A3 true true WO2002013148A3 (en) 2002-05-16

Family

ID=9897133

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2001/002940 WO2002013148A3 (en) 2000-08-07 2001-07-03 Financial payment system and method

Country Status (2)

Country Link
GB (1) GB0019356D0 (en)
WO (1) WO2002013148A3 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB0120486D0 (en) * 2001-08-23 2001-10-17 Electrocomponents Plc Electronic procurement system arrangement
US6978270B1 (en) * 2001-11-16 2005-12-20 Ncr Corporation System and method for capturing and storing operational data concerning an internet service provider's (ISP) operational environment and customer web browsing habits
WO2003071464A1 (en) * 2002-02-19 2003-08-28 Tds Todos Data System Ab Electronic micro payment system
EP1532561A2 (en) * 2002-06-12 2005-05-25 Erik Stener Faerch Method and system for secure electronic purchase transactions

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0725376A2 (en) * 1995-02-06 1996-08-07 Sony Corporation Charging method and charging system in interactive on-line service
WO1997019414A1 (en) * 1995-11-21 1997-05-29 Oxford Media Pty. Ltd. Computer network value payment system
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
WO1999024921A2 (en) * 1997-11-07 1999-05-20 Telia Ab (Publ) Improvements in, or relating to, electronic payment systems

Family Cites Families (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2733068B1 (en) * 1995-04-14 1997-07-04 G C Tech Method for electronic payment for performing transactions related to the purchase of goods on a computer network
US6282522B1 (en) * 1997-04-30 2001-08-28 Visa International Service Association Internet payment system using smart card
EP1129423A4 (en) * 1998-09-18 2001-12-12 James Joseph Boyle A system and method for providing e-commerce access to an internet website
US6609113B1 (en) * 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
EP0725376A2 (en) * 1995-02-06 1996-08-07 Sony Corporation Charging method and charging system in interactive on-line service
WO1997019414A1 (en) * 1995-11-21 1997-05-29 Oxford Media Pty. Ltd. Computer network value payment system
WO1999024921A2 (en) * 1997-11-07 1999-05-20 Telia Ab (Publ) Improvements in, or relating to, electronic payment systems

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
SIRBU M ET AL: "NETBILL: AN INTERNET COMMERCE SYSTEM OPTIMIZED FOR NETWORK- DELIVERED SERVICES", IEEE PERSONAL COMMUNICATIONS, IEEE COMMUNICATIONS SOCIETY, US, vol. 2, no. 4, 1 August 1995 (1995-08-01), pages 34 - 39, XP000517588, ISSN: 1070-9916 *

Also Published As

Publication number Publication date Type
GB2365559A (en) 2002-02-20 application
GB0019356D0 (en) 2000-09-27 grant
WO2002013148A2 (en) 2002-02-14 application

Similar Documents

Publication Publication Date Title
US7359871B1 (en) System and method for managing recurring orders in a computer network
US7778884B2 (en) Electronic commerce transactions within a marketing system that may contain a membership buying opportunity
US5806045A (en) Method and system for allocating and redeeming incentive credits between a portable device and a base device
US6363356B1 (en) Referrer-based system for try/buy electronic software distribution
US6957220B2 (en) System, method and article of manufacture for tracking and supporting the distribution of content electronically
US20010047334A1 (en) System and method for using existing prepaid card systems for making payments over the internet
US20040153410A1 (en) Anonymous payment system and method
US20020095387A1 (en) Online content portal system
US20050033645A1 (en) Virtual cashier
US6193155B1 (en) Method and apparatus for issuing and managing gift certificates
US20030177066A1 (en) Integrated marketing promotion system and method
US7703673B2 (en) Web based conversion of non-negotiable credits associated with an entity to entity independent negotiable funds
US20100299195A1 (en) Systems and methods for implementing financial transactions
US20070061251A1 (en) System and method for payroll system and benefits administration
US20090281905A1 (en) System and method for charitable donations
US20040054579A1 (en) Method and apparatus for establishing and operating credit promotions
US20120041810A1 (en) Universal System and Method for Loyalty Currency Redemption
US8181863B1 (en) Conversion of non-negotiable credits to negotiable funds
US8201734B1 (en) Conversion of non-negotiable credits associated with an entity into entity independent negotiable funds
WO1999046708A1 (en) Method and system for delivering and redeeming dynamically and adaptively characterized promotional incentives on a computer network
US7512566B1 (en) System and method for using a stored value account having subaccount feature
US20020032662A1 (en) System and method for servicing secure credit/debit card transactions
US8267315B1 (en) Exchange of non-negotiable credits for entity independent funds
WO2000067178A2 (en) Anonymous on-line payment system and method
Logue When theory fails: Globalization as a response to the (hostile) market for foreign exchange

Legal Events

Date Code Title Description
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

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 CO CR CU CZ DE DK DM DZ EC 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 US UZ VN YU ZA ZW

121 Ep: the epo has been informed by wipo that ep was designated in this application
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

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 CO CR CU CZ DE DK DM DZ EC 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 US UZ VN YU ZA ZW

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

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

Ref country code: JP