ZA200307302B - Method and system for making small payments using a payment card. - Google Patents
Method and system for making small payments using a payment card. Download PDFInfo
- Publication number
- ZA200307302B ZA200307302B ZA200307302A ZA200307302A ZA200307302B ZA 200307302 B ZA200307302 B ZA 200307302B ZA 200307302 A ZA200307302 A ZA 200307302A ZA 200307302 A ZA200307302 A ZA 200307302A ZA 200307302 B ZA200307302 B ZA 200307302B
- Authority
- ZA
- South Africa
- Prior art keywords
- micropayment
- transaction
- cardholder
- repudiation
- payment
- Prior art date
Links
- 238000000034 method Methods 0.000 title claims description 20
- 238000013475 authorization Methods 0.000 claims description 25
- 230000004044 response Effects 0.000 claims description 10
- 238000004891 communication Methods 0.000 claims description 6
- 238000012545 processing Methods 0.000 claims description 5
- 230000002452 interceptive effect Effects 0.000 claims description 2
- 230000009471 action Effects 0.000 description 5
- 230000000737 periodic effect Effects 0.000 description 3
- 230000008569 process Effects 0.000 description 3
- 238000005516 engineering process Methods 0.000 description 2
- 230000007246 mechanism Effects 0.000 description 2
- 230000002776 aggregation Effects 0.000 description 1
- 238000004220 aggregation Methods 0.000 description 1
- 238000013479 data entry Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 238000011835 investigation Methods 0.000 description 1
- 230000001960 triggered effect Effects 0.000 description 1
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
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- 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
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- 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
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
-
- 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
- G06Q20/407—Cancellation of a transaction
-
- 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
- G06Q40/03—Credit; Loans; Processing thereof
-
- 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
- G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
- G06Q50/10—Services
- G06Q50/18—Legal services
- G06Q50/188—Electronic negotiation
Landscapes
- Business, Economics & Management (AREA)
- Engineering & Computer Science (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- Theoretical Computer Science (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Finance (AREA)
- Tourism & Hospitality (AREA)
- Marketing (AREA)
- Economics (AREA)
- Technology Law (AREA)
- Computer Security & Cryptography (AREA)
- Primary Health Care (AREA)
- Human Resources & Organizations (AREA)
- General Health & Medical Sciences (AREA)
- Health & Medical Sciences (AREA)
- Development Economics (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US27714301P | 2001-03-19 | 2001-03-19 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| ZA200307302B true ZA200307302B (en) | 2004-04-20 |
Family
ID=23059567
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| ZA200307302A ZA200307302B (en) | 2001-03-19 | 2003-09-18 | Method and system for making small payments using a payment card. |
Country Status (7)
| Country | Link |
|---|---|
| US (1) | US7146344B2 (ja) |
| EP (1) | EP1371002A4 (ja) |
| JP (1) | JP2004527038A (ja) |
| AU (1) | AU2002247375B2 (ja) |
| CA (1) | CA2440682A1 (ja) |
| WO (1) | WO2002075499A2 (ja) |
| ZA (1) | ZA200307302B (ja) |
Families Citing this family (33)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CA2358528C (en) | 1998-12-23 | 2015-04-14 | The Chase Manhattan Bank | System and method for integrating trading operations including the generation, processing and tracking of trade documents |
| US7805365B1 (en) | 1999-10-25 | 2010-09-28 | Jpmorgan Chase Bank, N.A. | Automated statement presentation, adjustment and payment system and method therefor |
| US8571975B1 (en) | 1999-11-24 | 2013-10-29 | Jpmorgan Chase Bank, N.A. | System and method for sending money via E-mail over the internet |
| US7822656B2 (en) | 2000-02-15 | 2010-10-26 | Jpmorgan Chase Bank, N.A. | International banking system and method |
| CA2445573A1 (en) * | 2001-04-27 | 2002-11-07 | Massachusetts Institute Of Technology | Method and system for micropayment transactions |
| US7627521B1 (en) | 2002-01-15 | 2009-12-01 | Jpmorgan Chase Bank, N.A. | System and method for processing mircotransactions |
| US7899753B1 (en) | 2002-03-25 | 2011-03-01 | Jpmorgan Chase Bank, N.A | Systems and methods for time variable financial authentication |
| US20040059687A1 (en) * | 2002-08-29 | 2004-03-25 | Vantresa Stickler | Providing a verifiable delivery payment coding |
| WO2006004794A2 (en) * | 2004-06-25 | 2006-01-12 | Peppercoin, Inc. | Payment processing method and system |
| JP2009501981A (ja) | 2005-07-15 | 2009-01-22 | レボリューション マネー，インコーポレイテッド | 金融及びデータ取引を新規実行し管理するシステム及び方法 |
| US8874477B2 (en) | 2005-10-04 | 2014-10-28 | Steven Mark Hoffberg | Multifactorial optimization system and method |
| US20080040261A1 (en) * | 2006-04-24 | 2008-02-14 | Robert Nix | Systems and methods for implementing financial transactions |
| US20070267479A1 (en) * | 2006-05-16 | 2007-11-22 | Chockstone, Inc. | Systems and methods for implementing parking transactions and other financial transactions |
| US7676434B2 (en) | 2007-01-28 | 2010-03-09 | Bora Payment Systems, Llc | Payer direct hub |
| 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 |
| US8521650B2 (en) | 2007-02-26 | 2013-08-27 | Zepfrog Corp. | Method and service for providing access to premium content and dispersing payment therefore |
| 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 |
| US8645273B2 (en) | 2008-02-21 | 2014-02-04 | The Coca-Cola Company | Systems and methods for providing a vending network |
| US20090216675A1 (en) * | 2008-02-21 | 2009-08-27 | The Coca-Cola Company | Commission Centric Network Operation Systems and Methods |
| US20090216665A1 (en) * | 2008-02-21 | 2009-08-27 | The Coca-Cola Company | Systems and Methods for Providing Vending Network Data Management |
| US9460440B2 (en) | 2008-02-21 | 2016-10-04 | The Coca-Cola Company | Systems and methods for providing electronic transaction auditing and accountability |
| US8121917B2 (en) * | 2008-03-03 | 2012-02-21 | The Coca-Cola Company | Systems for implementing a loyalty program |
| US20090222300A1 (en) * | 2008-03-03 | 2009-09-03 | The Coca-Cola Company | Systems and Methods of Marketing to Defined Consumer Groups |
| US8015088B2 (en) * | 2008-03-03 | 2011-09-06 | The Coca-Cola Company | Methods for implementing a loyalty program |
| US9208485B2 (en) | 2008-03-24 | 2015-12-08 | American Express Travel Related Services Company, Inc. | System and method for facilitating online transactions |
| US20110202462A1 (en) * | 2008-09-08 | 2011-08-18 | Mastercard International Inc. | Method for a payment cardholder to control and manage the use of a payment card |
| US9230259B1 (en) | 2009-03-20 | 2016-01-05 | Jpmorgan Chase Bank, N.A. | Systems and methods for mobile ordering and payment |
| US20100293017A1 (en) * | 2009-05-18 | 2010-11-18 | Contenture, Inc. | Micropayment and website content control systems and methods |
| US20110238540A1 (en) * | 2010-03-26 | 2011-09-29 | Mastercard International, Inc. | Financial account management based on specified criteria |
| US9846872B2 (en) | 2010-04-06 | 2017-12-19 | American Express Travel Related Services Company, Inc. | Secure exchange of indicia of value and associated information |
| US9280689B2 (en) | 2010-09-21 | 2016-03-08 | Marvin T. Ling | Method and apparatus for conducting offline commerce transactions |
| US20140337235A1 (en) * | 2013-05-08 | 2014-11-13 | The Toronto-Dominion Bank | Person-to-person electronic payment processing |
| US9058626B1 (en) | 2013-11-13 | 2015-06-16 | Jpmorgan Chase Bank, N.A. | System and method for financial services device usage |
Family Cites Families (14)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US5465206B1 (en) * | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
| US5557516A (en) * | 1994-02-04 | 1996-09-17 | Mastercard International | System and method for conducting cashless transactions |
| US5692132A (en) * | 1995-06-07 | 1997-11-25 | Mastercard International, Inc. | System and method for conducting cashless transactions on a computer network |
| US5699528A (en) * | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
| US5704046A (en) * | 1996-05-30 | 1997-12-30 | Mastercard International Inc. | System and method for conducting cashless transactions |
| US5995948A (en) * | 1997-11-21 | 1999-11-30 | First Usa Bank, N.A. | Correspondence and chargeback workstation |
| US6330551B1 (en) * | 1998-08-06 | 2001-12-11 | Cybersettle.Com, Inc. | Computerized dispute resolution system and method |
| US6315193B1 (en) * | 1998-08-31 | 2001-11-13 | Mastercard International Incorporated | Financial transaction card with installment loan feature |
| US6473740B2 (en) * | 1998-11-29 | 2002-10-29 | Qpass, Inc. | Electronic commerce using a transaction network |
| US20020007302A1 (en) * | 2000-03-06 | 2002-01-17 | Work Bruce V. | Method and apparatus for tracking vendor compliance with purchaser guidelines and related method for the commercial distribution of software and hardware implementing same |
| AU2000254223A1 (en) * | 2000-06-22 | 2002-01-08 | Trintrech Limited | A transaction dispute management system and method |
| US10185936B2 (en) * | 2000-06-22 | 2019-01-22 | Jpmorgan Chase Bank, N.A. | Method and system for processing internet payments |
| WO2002014973A2 (en) * | 2000-08-11 | 2002-02-21 | Cardis International Intertrust N.V | System and method for micropayment in electronic commerce |
| CA2327935C (en) * | 2000-12-08 | 2013-10-22 | Wmode Inc. | System and method to provide real time transaction validation and billing via a communications network |
-
2002
- 2002-02-19 WO PCT/US2002/008417 patent/WO2002075499A2/en active Application Filing
- 2002-02-19 JP JP2002574042A patent/JP2004527038A/ja active Pending
- 2002-02-19 AU AU2002247375A patent/AU2002247375B2/en not_active Ceased
- 2002-02-19 CA CA002440682A patent/CA2440682A1/en not_active Abandoned
- 2002-02-19 EP EP02715158A patent/EP1371002A4/en not_active Withdrawn
- 2002-03-19 US US10/100,793 patent/US7146344B2/en not_active Expired - Lifetime
-
2003
- 2003-09-18 ZA ZA200307302A patent/ZA200307302B/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| US7146344B2 (en) | 2006-12-05 |
| WO2002075499A3 (en) | 2002-12-05 |
| AU2002247375B2 (en) | 2008-02-07 |
| EP1371002A4 (en) | 2008-01-30 |
| EP1371002A2 (en) | 2003-12-17 |
| US20030033257A1 (en) | 2003-02-13 |
| CA2440682A1 (en) | 2002-09-26 |
| WO2002075499A2 (en) | 2002-09-26 |
| JP2004527038A (ja) | 2004-09-02 |
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