WO2005013163A3 - Systeme et procede de paiement electronique - Google Patents

Systeme et procede de paiement electronique Download PDF

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Publication number
WO2005013163A3
WO2005013163A3 PCT/FR2004/002060 FR2004002060W WO2005013163A3 WO 2005013163 A3 WO2005013163 A3 WO 2005013163A3 FR 2004002060 W FR2004002060 W FR 2004002060W WO 2005013163 A3 WO2005013163 A3 WO 2005013163A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
client
processing server
alphanumerical code
distributor
Prior art date
Application number
PCT/FR2004/002060
Other languages
English (en)
Other versions
WO2005013163A8 (fr
WO2005013163A2 (fr
Inventor
Jan-Georges Zizka
Original Assignee
Jan-Georges Zizka
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 Jan-Georges Zizka filed Critical Jan-Georges Zizka
Publication of WO2005013163A2 publication Critical patent/WO2005013163A2/fr
Publication of WO2005013163A8 publication Critical patent/WO2005013163A8/fr
Publication of WO2005013163A3 publication Critical patent/WO2005013163A3/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
    • G06Q20/04—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
    • G06Q20/08—Payment architectures
    • G06Q20/18—Payment architectures involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

Le client dispose en substitution de la monnaie fiduciaire, d'une monnaie électronique, sous forme d'un code alphanumérique représentant un montant maximal déterminé ou valeur nominale. Pour se procurer cette monnaie électronique, le client se rend chez un distributeur de bons de paiement. En échange de son paiement, réalisé selon n'importe quel mode de paiement, le distributeur communique au client un code alphanumérique. Ce code alphanumérique est généré par un serveur de traitement puis transmis au client via le terminal informatique bancaire du distributeur en communication avec le serveur de traitement. Pour répondre à une demande de paiement d'un fournisseur en communication avec le client via un réseau de communication, le client transmet au serveur de traitement le code alphanumérique via ce réseau de communication. Le serveur de traitement valide ensuite l'opération de paiement vis-à-vis de l'acheteur et du fournisseur. Des moyens sont en outre prévus pour effectuer les transferts de paiement via un intermédiaire de paiement.
PCT/FR2004/002060 2003-07-30 2004-07-30 Systeme et procede de paiement electronique WO2005013163A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
FR0309390A FR2858441A1 (fr) 2003-07-30 2003-07-30 Systeme et procede de paiement electronique
FR0309390 2003-07-30

Publications (3)

Publication Number Publication Date
WO2005013163A2 WO2005013163A2 (fr) 2005-02-10
WO2005013163A8 WO2005013163A8 (fr) 2005-04-14
WO2005013163A3 true WO2005013163A3 (fr) 2005-06-02

Family

ID=34043679

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/FR2004/002060 WO2005013163A2 (fr) 2003-07-30 2004-07-30 Systeme et procede de paiement electronique

Country Status (2)

Country Link
FR (1) FR2858441A1 (fr)
WO (1) WO2005013163A2 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN107403312B (zh) * 2016-05-18 2024-03-26 北京三星通信技术研究有限公司 快捷支付方法和装置

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1148454A2 (fr) * 2000-04-19 2001-10-24 NCR International, Inc. Terminal en libre service
WO2002027629A1 (fr) * 2000-09-28 2002-04-04 Euronet Worldwide, Inc. Systeme et procede d'achat de produits et de services via des points d'acces de reseaux de donnees financieres
US20020120530A1 (en) * 1999-07-29 2002-08-29 Sutton David B. Method and system for transacting an anonymous purchase over the internet
EP1244046A1 (fr) * 1999-09-17 2002-09-25 Elias Salomon Sacal Y Micha Systeme de prepaiement de produits ou de services obtenus par l'intermediaire de supports electroniques
US20030041022A1 (en) * 2001-08-21 2003-02-27 Battle Tatia L. Electronic money instrument
CA2384927A1 (fr) * 2002-05-06 2003-11-06 Iqbal Esmail Systeme de paiement au comptant des transactions sur le web

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5909673A (en) * 1994-09-29 1999-06-01 Gregory; Edward M. Method and system for creating site specific coupons at a plurality of remote locations which are controlled by a central office
US6119931A (en) * 1997-10-02 2000-09-19 Novogrod; John C. System and method for requesting and dispensing negotiable instruments
GB0028475D0 (en) * 2000-11-22 2001-01-10 Ncr Int Inc Module

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020120530A1 (en) * 1999-07-29 2002-08-29 Sutton David B. Method and system for transacting an anonymous purchase over the internet
EP1244046A1 (fr) * 1999-09-17 2002-09-25 Elias Salomon Sacal Y Micha Systeme de prepaiement de produits ou de services obtenus par l'intermediaire de supports electroniques
EP1148454A2 (fr) * 2000-04-19 2001-10-24 NCR International, Inc. Terminal en libre service
WO2002027629A1 (fr) * 2000-09-28 2002-04-04 Euronet Worldwide, Inc. Systeme et procede d'achat de produits et de services via des points d'acces de reseaux de donnees financieres
US20030041022A1 (en) * 2001-08-21 2003-02-27 Battle Tatia L. Electronic money instrument
CA2384927A1 (fr) * 2002-05-06 2003-11-06 Iqbal Esmail Systeme de paiement au comptant des transactions sur le web

Also Published As

Publication number Publication date
WO2005013163A8 (fr) 2005-04-14
FR2858441A1 (fr) 2005-02-04
WO2005013163A2 (fr) 2005-02-10

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