WO2002063432A3 - Procede et systeme servant a executer une transaction entre un client et un vendeur - Google Patents

Procede et systeme servant a executer une transaction entre un client et un vendeur Download PDF

Info

Publication number
WO2002063432A3
WO2002063432A3 PCT/US2002/003743 US0203743W WO02063432A3 WO 2002063432 A3 WO2002063432 A3 WO 2002063432A3 US 0203743 W US0203743 W US 0203743W WO 02063432 A3 WO02063432 A3 WO 02063432A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction
merchant
customer
completing
communicating
Prior art date
Application number
PCT/US2002/003743
Other languages
English (en)
Other versions
WO2002063432A2 (fr
WO2002063432A8 (fr
Inventor
Vincent W Talbert
Original Assignee
I4 Commerce Inc
Vincent W Talbert
Keithly Thomas H
Hirschfeld Daniel A
Lavelle Mark L
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 I4 Commerce Inc, Vincent W Talbert, Keithly Thomas H, Hirschfeld Daniel A, Lavelle Mark L filed Critical I4 Commerce Inc
Priority to AU2002247093A priority Critical patent/AU2002247093B8/en
Priority to CA2437507A priority patent/CA2437507C/fr
Priority to US10/470,223 priority patent/US7890393B2/en
Priority to EP02714853A priority patent/EP1358609A4/fr
Publication of WO2002063432A2 publication Critical patent/WO2002063432A2/fr
Publication of WO2002063432A3 publication Critical patent/WO2002063432A3/fr
Publication of WO2002063432A8 publication Critical patent/WO2002063432A8/fr
Priority to AU2009200162A priority patent/AU2009200162B2/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
    • 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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks

Landscapes

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

Abstract

Procédé et système informatique servant à exécuter une transaction entre un client (10) et au moins un vendeur (20), ce qui consiste à: (a) débuter une transaction par un client (10) avec un vendeur (20); (b) communiquer une demande d'autorisation, y compris des données client et des données spécifiques à la transaction, par le vendeur (20) à un système de transaction (26); (c) authentifier le client (10) par le système de transaction (26); (d) autoriser la transaction par le système de transaction (26); (e) communiquer la réponse d'autorisation par le système de transaction (26) au vendeur (20); (f) exécuter la transaction entre le vendeur (20) et le client (10). L'invention concerne également un dispositif servant à mettre ce procédé en application.
PCT/US2002/003743 2001-02-07 2002-02-07 Procede et systeme servant a executer une transaction entre un client et un vendeur WO2002063432A2 (fr)

Priority Applications (5)

Application Number Priority Date Filing Date Title
AU2002247093A AU2002247093B8 (en) 2001-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant
CA2437507A CA2437507C (fr) 2001-02-07 2002-02-07 Procede et systeme servant a executer une transaction entre un client et un vendeur
US10/470,223 US7890393B2 (en) 2002-02-07 2002-02-07 Method and system for completing a transaction between a customer and a merchant
EP02714853A EP1358609A4 (fr) 2001-02-07 2002-02-07 Procede et systeme servant a executer une transaction entre un client et un vendeur
AU2009200162A AU2009200162B2 (en) 2001-02-07 2009-01-16 Method and system for completing a transaction between a customer and a merchant

Applications Claiming Priority (6)

Application Number Priority Date Filing Date Title
US26699501P 2001-02-07 2001-02-07
US60/266,995 2001-02-07
US27549401P 2001-03-13 2001-03-13
US60/275,494 2001-03-13
US32896401P 2001-10-12 2001-10-12
US60/328,964 2001-10-12

Publications (3)

Publication Number Publication Date
WO2002063432A2 WO2002063432A2 (fr) 2002-08-15
WO2002063432A3 true WO2002063432A3 (fr) 2003-03-06
WO2002063432A8 WO2002063432A8 (fr) 2003-12-24

Family

ID=27401931

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/003743 WO2002063432A2 (fr) 2001-02-07 2002-02-07 Procede et systeme servant a executer une transaction entre un client et un vendeur

Country Status (4)

Country Link
EP (1) EP1358609A4 (fr)
AU (1) AU2009200162B2 (fr)
CA (1) CA2437507C (fr)
WO (1) WO2002063432A2 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7743979B2 (en) 2004-02-25 2010-06-29 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US7945492B1 (en) 1998-12-23 2011-05-17 Jpmorgan Chase Bank, N.A. System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing

Families Citing this family (30)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2349472C (fr) 1998-11-13 2006-03-21 The Chase Manhattan Bank Systeme et procede de traitement multidevises et multibanques via un reseau non protege
US7068832B1 (en) 1999-05-11 2006-06-27 The Chase Manhattan Bank Lockbox imaging system
US7805365B1 (en) 1999-10-25 2010-09-28 Jpmorgan Chase Bank, N.A. Automated statement presentation, adjustment and payment system and method therefor
US6965865B2 (en) 1999-12-30 2005-11-15 Bank One Delaware N.A. System and method for integrated customer management
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
US8768836B1 (en) 2000-02-18 2014-07-01 Jpmorgan Chase Bank, N.A. System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image
US8468071B2 (en) 2000-08-01 2013-06-18 Jpmorgan Chase Bank, N.A. Processing transactions using a register portion to track transactions
WO2002015098A2 (fr) 2000-08-11 2002-02-21 Loy John J Appareil et methode de traitement de comptes clients
US8285641B2 (en) 2000-11-06 2012-10-09 Jpmorgan Chase Bank, N.A. System and method for selectable funding of electronic transactions
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US7822684B2 (en) 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
US7689482B2 (en) 2002-05-24 2010-03-30 Jp Morgan Chase Bank, N.A. System and method for payer (buyer) defined electronic invoice exchange
US10311412B1 (en) 2003-03-28 2019-06-04 Jpmorgan Chase Bank, N.A. Method and system for providing bundled electronic payment and remittance advice
US8630947B1 (en) 2003-04-04 2014-01-14 Jpmorgan Chase Bank, N.A. Method and system for providing electronic bill payment and presentment
US7792717B1 (en) 2003-10-31 2010-09-07 Jpmorgan Chase Bank, N.A. Waterfall prioritized payment processing
US7814003B2 (en) 2003-12-15 2010-10-12 Jp Morgan Chase Billing workflow system for crediting charges to entities creating derivatives exposure
US8554673B2 (en) 2004-06-17 2013-10-08 Jpmorgan Chase Bank, N.A. Methods and systems for discounts management
US8290863B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US7983468B2 (en) 2005-02-09 2011-07-19 Jp Morgan Chase Bank Method and system for extracting information from documents by document segregation
US7676409B1 (en) 2005-06-20 2010-03-09 Jpmorgan Chase Bank, N.A. Method and system for emulating a private label over an open network
US8301529B1 (en) 2005-11-02 2012-10-30 Jpmorgan Chase Bank, N.A. Method and system for implementing effective governance of transactions between trading partners
US7734545B1 (en) 2006-06-14 2010-06-08 Jpmorgan Chase Bank, N.A. Method and system for processing recurring payments
US7916925B2 (en) 2007-02-09 2011-03-29 Jpmorgan Chase Bank, N.A. System and method for generating magnetic ink character recognition (MICR) testing documents
US8762270B1 (en) 2007-08-10 2014-06-24 Jpmorgan Chase Bank, N.A. System and method for providing supplemental payment or transaction information
US8622308B1 (en) 2007-12-31 2014-01-07 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
CA2711936A1 (fr) 2008-01-15 2009-07-23 Matthew Mullen Systeme et procede de completement de donnees comprenant un identifiant du pousser
US8112355B1 (en) 2008-09-05 2012-02-07 Jpmorgan Chase Bank, N.A. Method and system for buyer centric dispute resolution in electronic payment system
US8391584B2 (en) 2008-10-20 2013-03-05 Jpmorgan Chase Bank, N.A. Method and system for duplicate check detection
US9092447B1 (en) 2008-10-20 2015-07-28 Jpmorgan Chase Bank, N.A. Method and system for duplicate detection
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000002150A1 (fr) * 1998-07-01 2000-01-13 Webcard Inc. Procede d'autorisation de transaction
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US20020035538A1 (en) * 2000-09-15 2002-03-21 Moreau Lawrence R. Method and system for facilitating buying and selling transactions
US20020069166A1 (en) * 2000-09-15 2002-06-06 Moreau Lawrence R. Method and system for facilitating buying and selling transactions
US20020087467A1 (en) * 2000-02-29 2002-07-04 Mascavage John Joseph Online purchasing method

Family Cites Families (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5793028A (en) * 1996-06-24 1998-08-11 Fred N. Gratzon Electronic transaction security system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
WO2000002150A1 (fr) * 1998-07-01 2000-01-13 Webcard Inc. Procede d'autorisation de transaction
US20020087467A1 (en) * 2000-02-29 2002-07-04 Mascavage John Joseph Online purchasing method
US20020035538A1 (en) * 2000-09-15 2002-03-21 Moreau Lawrence R. Method and system for facilitating buying and selling transactions
US20020069166A1 (en) * 2000-09-15 2002-06-06 Moreau Lawrence R. Method and system for facilitating buying and selling transactions

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP1358609A4 *

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7945492B1 (en) 1998-12-23 2011-05-17 Jpmorgan Chase Bank, N.A. System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US7743979B2 (en) 2004-02-25 2010-06-29 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing
US8396798B2 (en) 2004-06-24 2013-03-12 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing

Also Published As

Publication number Publication date
AU2009200162A1 (en) 2009-02-12
WO2002063432A2 (fr) 2002-08-15
AU2009200162B2 (en) 2011-06-02
WO2002063432A8 (fr) 2003-12-24
CA2437507C (fr) 2015-10-27
CA2437507A1 (fr) 2002-08-15
EP1358609A2 (fr) 2003-11-05
AU2002247093B2 (en) 2008-10-16
EP1358609A4 (fr) 2007-11-28

Similar Documents

Publication Publication Date Title
WO2002063432A8 (fr) Procede et systeme servant a executer une transaction entre un client et un vendeur
WO2005072382A3 (fr) Systeme et procede permettant d'executer des transactions telephoniques et informatiques securisees
WO2004021130A3 (fr) Procede et systemes destines a faciliter des operations de paiement a l'aide de dispositifs d'acces
WO2002006992A3 (fr) Procede et systeme facilitant des transactions de commerce elctronique par voie hertzienne
WO2006124690A3 (fr) Cartes, systemes et procedes de transfert d'argent
WO2002043307A3 (fr) Systeme et procede de verification, de reglement, de garantie et d'impression de cheques a un emplacement distant
WO2002075478A3 (fr) Transaction a presentation de carte en ligne
WO2002007046A3 (fr) Procede et systeme facilitant des transactions de commerce electronique par voie hertzienne
WO2002037216A3 (fr) Systeme d'un programme en reseau informatique d'octroi de rabais dans un point de vente
WO2002101512A3 (fr) Systeme de passerelle de paiement de commerçant, de fidelite et d'identification de client
WO2007016114A3 (fr) Methodes et systemes pour des transactions financieres securisees ameliorees fondees sur internet
WO2004104757A3 (fr) Systeme et procede pour faciliter une transaction entre un marchand et un consommateur
WO2001063567A3 (fr) Systeme de transactions securisees
WO2004027555A3 (fr) Procede et systeme de traitement commercial des transactions par cartes de paiement avec acceptation elargie de types de cartes
WO2003043252A3 (fr) Dispositif, procede et systeme d'autorisation de transactions
WO2003042790A3 (fr) Confirmation electronique permettant de debiter ou de crediter un compte
WO2002079922A3 (fr) Procede et appareil de traitement de transactions financieres
WO2006110392A3 (fr) Procede et systeme destines a la gestion des risques dans une transaction
WO2002007117A3 (fr) Procede et systeme pour faciliter les transactions sans fil de commerce electronique
WO2006124343A3 (fr) Systemes et procedes de transferts d'argent 'dans une queue'
WO2004044822A3 (fr) Conversion de monnaie etrangere au taux du moment
WO2004049241A3 (fr) Bioliaison d'un utilisateur et moyen d'autorisation
WO2002097684A3 (fr) Procede servant a realiser une transaction securisee de paiement sans especes et systeme de paiement sans especes
WO2003065164A3 (fr) Systeme et procede de conduite de transaction de paiement securise
WO2004095164A3 (fr) Garantie de securite pour des transactions

Legal Events

Date Code Title Description
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 OM PH PL PT RO RU SD SE SG SI SK SL TJ TM TN TR TT TZ UA UG US UZ VN YU ZA ZM ZW

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 ZM 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 GQ GW ML MR NE SN TD TG

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

Kind code of ref document: A3

Designated state(s): AE AG AL AM AT AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ CZ DE DE DK DK DM DZ EC EE EE ES FI 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 OM PH PL PT RO RU SD SE SG SI SK SK SL TJ TM TN TR TT TZ UA UG US UZ VN YU ZA ZM ZW

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 ZM 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 GQ 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)
WWE Wipo information: entry into national phase

Ref document number: 10470223

Country of ref document: US

WWE Wipo information: entry into national phase

Ref document number: 729/MUMNP/2003

Country of ref document: IN

WWE Wipo information: entry into national phase

Ref document number: 2437507

Country of ref document: CA

REEP Request for entry into the european phase

Ref document number: 2002714853

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 2002714853

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 2002247093

Country of ref document: AU

WWP Wipo information: published in national office

Ref document number: 2002714853

Country of ref document: EP

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

CFP Corrected version of a pamphlet front page
CR1 Correction of entry in section i

Free format text: IN PCT GAZETTE 33/2002 DUE TO A TECHNICAL PROBLEMAT THE TIME OF INTERNATIONAL PUBLICATION, SOME INFORMATION WAS MISSING UNDER (81). THE MISSING INFORMATION NOW APPEARS IN THE CORRECTED VERSION

NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Ref document number: JP