WO2002045278A3 - Procede et systeme de transfert de fonds electroniques - Google Patents

Procede et systeme de transfert de fonds electroniques Download PDF

Info

Publication number
WO2002045278A3
WO2002045278A3 PCT/US2001/044683 US0144683W WO0245278A3 WO 2002045278 A3 WO2002045278 A3 WO 2002045278A3 US 0144683 W US0144683 W US 0144683W WO 0245278 A3 WO0245278 A3 WO 0245278A3
Authority
WO
WIPO (PCT)
Prior art keywords
funds
transfer
payment device
electronic payment
electronic
Prior art date
Application number
PCT/US2001/044683
Other languages
English (en)
Other versions
WO2002045278A2 (fr
Inventor
Andree Michelle Petigny
Original Assignee
Andree Michelle Petigny
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 Andree Michelle Petigny filed Critical Andree Michelle Petigny
Priority to AU2700902A priority Critical patent/AU2700902A/xx
Priority to US10/415,920 priority patent/US20040024700A1/en
Priority to AU2002227009A priority patent/AU2002227009B2/en
Priority to CA002429999A priority patent/CA2429999A1/fr
Priority to EP01995968A priority patent/EP1337953A4/fr
Publication of WO2002045278A2 publication Critical patent/WO2002045278A2/fr
Publication of WO2002045278A3 publication Critical patent/WO2002045278A3/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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals

Abstract

L'invention concerne un procédé et un système pour transférer des fonds électroniques, comprenant un ordinateur en communication électronique avec un lecteur de dispositif de paiement électronique, un compte source de fonds et un compte de perception de fonds. Une demande de transfert de fonds est reçue du lecteur de dispositif de paiement électronique et un serveur lance le transfert de fonds du compte source de fonds au compte de perception de fonds en réponse à une action au niveau du lecteur de dispositif de paiement électronique. Un dispositif point de vente amélioré constitue l'un des divers types de lecteurs de dispositif de paiement électronique que l'on peut utiliser pour transférer des fonds entre des comptes selon des modes de réalisation de l'invention.
PCT/US2001/044683 2000-11-29 2001-11-29 Procede et systeme de transfert de fonds electroniques WO2002045278A2 (fr)

Priority Applications (5)

Application Number Priority Date Filing Date Title
AU2700902A AU2700902A (en) 2000-11-29 2001-11-29 Electronic funds transfer method and system
US10/415,920 US20040024700A1 (en) 2001-11-29 2001-11-29 Electronic funds transfer method and system
AU2002227009A AU2002227009B2 (en) 2000-11-29 2001-11-29 Electronic funds transfer method and system
CA002429999A CA2429999A1 (fr) 2000-11-29 2001-11-29 Procede et systeme de transfert de fonds electroniques
EP01995968A EP1337953A4 (fr) 2000-11-29 2001-11-29 Procede et systeme de transfert de fonds electroniques

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US25366600P 2000-11-29 2000-11-29
US60/253,666 2000-11-29
US29291101P 2001-05-24 2001-05-24
US60/292,911 2001-05-24

Publications (2)

Publication Number Publication Date
WO2002045278A2 WO2002045278A2 (fr) 2002-06-06
WO2002045278A3 true WO2002045278A3 (fr) 2003-01-09

Family

ID=26943462

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/044683 WO2002045278A2 (fr) 2000-11-29 2001-11-29 Procede et systeme de transfert de fonds electroniques

Country Status (4)

Country Link
EP (1) EP1337953A4 (fr)
AU (2) AU2002227009B2 (fr)
CA (1) CA2429999A1 (fr)
WO (1) WO2002045278A2 (fr)

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
IES20020712A2 (en) * 2002-09-04 2004-03-10 Mainline Corporate Holdings A method and system for transferring funds
US7856399B2 (en) 2003-02-05 2010-12-21 Propay Usa. Inc. Linking a merchant account with a financial card
US8396792B1 (en) 2003-09-10 2013-03-12 Propay Usa. Inc. Dynamically specifying a merchant identifier in an electronic financial transaction

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH03204078A (ja) * 1989-12-29 1991-09-05 Moneyfax Inc 財務取引を行なうための電子ファンド転送システム
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US20020055907A1 (en) * 2000-11-08 2002-05-09 Orazio Pater Electronic payment system and method
US20020099656A1 (en) * 2000-11-14 2002-07-25 Poh Wong Kenneth Tien Electronic funds transfer system for processing multiple currency transactions

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100382940B1 (ko) * 1994-09-25 2003-07-22 카디스 엔터프라이즈 인터내셔널 엔.브이. 자동판매기,자동판매시스템및그조작방법

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH03204078A (ja) * 1989-12-29 1991-09-05 Moneyfax Inc 財務取引を行なうための電子ファンド転送システム
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US20020055907A1 (en) * 2000-11-08 2002-05-09 Orazio Pater Electronic payment system and method
US20020099656A1 (en) * 2000-11-14 2002-07-25 Poh Wong Kenneth Tien Electronic funds transfer system for processing multiple currency transactions

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1337953A4 *

Also Published As

Publication number Publication date
EP1337953A4 (fr) 2009-03-25
EP1337953A2 (fr) 2003-08-27
WO2002045278A2 (fr) 2002-06-06
AU2002227009B2 (en) 2006-11-09
AU2700902A (en) 2002-06-11
CA2429999A1 (fr) 2002-06-06

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