WO2002013148A3 - Financial payment system and method - Google Patents

Financial payment system and method Download PDF

Info

Publication number
WO2002013148A3
WO2002013148A3 PCT/GB2001/002940 GB0102940W WO0213148A3 WO 2002013148 A3 WO2002013148 A3 WO 2002013148A3 GB 0102940 W GB0102940 W GB 0102940W WO 0213148 A3 WO0213148 A3 WO 0213148A3
Authority
WO
WIPO (PCT)
Prior art keywords
services
goods
payment system
account provider
user
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
Application filed by Rue De Int Ltd, David Gordon Young filed Critical Rue De Int Ltd
Priority to AU2001266227A priority Critical patent/AU2001266227A1/en
Publication of WO2002013148A2 publication Critical patent/WO2002013148A2/en
Publication of WO2002013148A3 publication Critical patent/WO2002013148A3/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
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems

Landscapes

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

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 WO2002013148A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001266227A AU2001266227A1 (en) 2000-08-07 2001-07-03 Financial payment system and method

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0019356A GB2365559A (en) 2000-08-07 2000-08-07 Financial payment system and method for internet transactions
GB0019356.5 2000-08-07

Publications (2)

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

Family

ID=9897133

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/GB2001/002940 WO2002013148A2 (en) 2000-08-07 2001-07-03 Financial payment system and method

Country Status (3)

Country Link
AU (1) AU2001266227A1 (en)
GB (1) GB2365559A (en)
WO (1) WO2002013148A2 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2379044A (en) * 2001-08-23 2003-02-26 Electrocomponents Plc Electronic procurement system
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
SE0200490L (en) * 2002-02-19 2003-08-20 Tds Todos Data System Ab Electronic micro payment system
US20040093277A1 (en) * 2002-06-12 2004-05-13 Faerch Erik Stener 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 ELECTRONIC PAYMENT METHOD 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
MXPA01002864A (en) * 1998-09-18 2002-04-08 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
WO2002013148A2 (en) 2002-02-14
AU2001266227A1 (en) 2002-02-18
GB0019356D0 (en) 2000-09-27
GB2365559A (en) 2002-02-20

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