WO2012138432A1 - Système et procédé pour faciliter des transactions d'échange de valeurs entre des utilisateurs répartis - Google Patents

Système et procédé pour faciliter des transactions d'échange de valeurs entre des utilisateurs répartis Download PDF

Info

Publication number
WO2012138432A1
WO2012138432A1 PCT/US2012/026612 US2012026612W WO2012138432A1 WO 2012138432 A1 WO2012138432 A1 WO 2012138432A1 US 2012026612 W US2012026612 W US 2012026612W WO 2012138432 A1 WO2012138432 A1 WO 2012138432A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
universal
financial transaction
payment
user
Prior art date
Application number
PCT/US2012/026612
Other languages
English (en)
Inventor
Scott J. HARDIEK
Original Assignee
Hardiek Scott J
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 Hardiek Scott J filed Critical Hardiek Scott J
Publication of WO2012138432A1 publication Critical patent/WO2012138432A1/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
    • G06Q20/30—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
    • G06Q20/347—Passive cards
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems

Abstract

L'invention porte sur un système et un procédé pour faciliter un échange de valeurs à l'aide d'une carte d'identification universelle, lesquels système et procédé comprennent un serveur de système intermédiaire d'échange de paiements, une carte d'identification universelle ayant des informations d'identification intégrées et une carte de transaction financière liée à l'identification universelle. Le procédé code des informations de compte de courrier électronique sur la carte d'identification universelle. Le procédé lie la carte de transaction financière à la carte d'identification universelle, engage le fournisseur hôte de carte de transaction financière par l'intermédiaire d'un réseau de communication et lie l'identification de l'utilisateur de carte à la carte d'identification universelle pour faciliter l'échange de valeurs. La carte d'identification universelle est enregistrée par association de la carte d'identification universelle à la carte de transaction financière.
PCT/US2012/026612 2011-02-24 2012-02-24 Système et procédé pour faciliter des transactions d'échange de valeurs entre des utilisateurs répartis WO2012138432A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US201161446378P 2011-02-24 2011-02-24
US61/446,378 2011-02-24
US201161537985P 2011-09-22 2011-09-22
US61/537,985 2011-09-22

Publications (1)

Publication Number Publication Date
WO2012138432A1 true WO2012138432A1 (fr) 2012-10-11

Family

ID=46969498

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2012/026612 WO2012138432A1 (fr) 2011-02-24 2012-02-24 Système et procédé pour faciliter des transactions d'échange de valeurs entre des utilisateurs répartis

Country Status (1)

Country Link
WO (1) WO2012138432A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108780556A (zh) * 2016-06-06 2018-11-09 汤森路透全球资源无限公司 用于提供个人分布式分类账的系统和方法

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020016764A1 (en) * 2000-07-03 2002-02-07 Hoffman Roger P. Internet expense account
US20040019564A1 (en) * 2002-07-26 2004-01-29 Scott Goldthwaite System and method for payment transaction authentication
US6715679B1 (en) * 1999-09-08 2004-04-06 At&T Corp. Universal magnetic stripe card
US20060161789A1 (en) * 2002-03-28 2006-07-20 Doughty Ralph O System, method and apparatus for enabling transactions using a user enabled programmable magnetic stripe
US20090106118A1 (en) * 2007-10-19 2009-04-23 Ebay Inc Payment using funds pushing
US20100042538A1 (en) * 2008-08-18 2010-02-18 Sanjeev Dheer Money Movement Network Method
US20100241572A1 (en) * 2007-03-29 2010-09-23 Alibaba Group Holding Limited Payment System and Method Using IC Identification Card

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6715679B1 (en) * 1999-09-08 2004-04-06 At&T Corp. Universal magnetic stripe card
US20020016764A1 (en) * 2000-07-03 2002-02-07 Hoffman Roger P. Internet expense account
US20060161789A1 (en) * 2002-03-28 2006-07-20 Doughty Ralph O System, method and apparatus for enabling transactions using a user enabled programmable magnetic stripe
US20040019564A1 (en) * 2002-07-26 2004-01-29 Scott Goldthwaite System and method for payment transaction authentication
US20100241572A1 (en) * 2007-03-29 2010-09-23 Alibaba Group Holding Limited Payment System and Method Using IC Identification Card
US20090106118A1 (en) * 2007-10-19 2009-04-23 Ebay Inc Payment using funds pushing
US20100042538A1 (en) * 2008-08-18 2010-02-18 Sanjeev Dheer Money Movement Network Method

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108780556A (zh) * 2016-06-06 2018-11-09 汤森路透全球资源无限公司 用于提供个人分布式分类账的系统和方法

Similar Documents

Publication Publication Date Title
US20200279275A1 (en) Method for authenticating financial instruments and financial transaction requests
US9530125B2 (en) Method and system for secure mobile payment transactions
JP6239399B2 (ja) エイリアスを使用したモバイル・ペイメントのシステム及び方法
US20130085877A1 (en) Intermediary-based transaction system
US9367843B2 (en) Transaction alerting in a multi-network environment
CN110612546A (zh) 数字资产账户管理
US20150248675A1 (en) Funding on-line accounts
US20090319425A1 (en) Mobile Person-to-Person Payment System
US20110320347A1 (en) Mobile Networked Payment System
US20070063017A1 (en) System and method for securely making payments and deposits
US20100121767A1 (en) Intermediary service and method for processing financial transaction data with mobile device confirmation
KR20010110740A (ko) 개인간, 개인과 사업체간, 사업체와 개인간 그리고사업체간 금융 거래 시스템
CN101990770A (zh) 移动电话支付业务系统中的虚拟支付账户数据
TW200830213A (en) System and method of managing contactless payment transactions using a mobile communication device as a stored value device
WO2009152184A1 (fr) Système de paiement pour mobiles
BRPI0709074A2 (pt) transações financeiras usando um dispositivo de comunicação
KR20130043682A (ko) 송금 및/또는 결제를 위한 방법 및 시스템, 장치-판독가능한 매체
CA2614991A1 (fr) Commutateur de verification d'identite
US20140222595A1 (en) Payment Systems and Methods
CN101165716A (zh) 一种基于交易代码的电子支付方法
US20150006382A1 (en) Systems and methods for implementing money orders
US10204378B1 (en) Flexible payment services for travel and credit cards
KR20010008292A (ko) 이메일 계정을 이용한 금융거래시스템 및 그 거래방법
KR20140048813A (ko) 중고물품 거래/결제 중개 시스템 및 그 중개방법
EP2613287A1 (fr) Système informatique et procédé pour initier des paiements basés sur des chèques

Legal Events

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

Ref document number: 12768321

Country of ref document: EP

Kind code of ref document: A1

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 12768321

Country of ref document: EP

Kind code of ref document: A1