ATE371240T1 - Gesichertes zahlungsverfahren und -system - Google Patents

Gesichertes zahlungsverfahren und -system

Info

Publication number
ATE371240T1
ATE371240T1 AT02726286T AT02726286T ATE371240T1 AT E371240 T1 ATE371240 T1 AT E371240T1 AT 02726286 T AT02726286 T AT 02726286T AT 02726286 T AT02726286 T AT 02726286T AT E371240 T1 ATE371240 T1 AT E371240T1
Authority
AT
Austria
Prior art keywords
terminal
customer
receipt
transaction
merchant
Prior art date
Application number
AT02726286T
Other languages
English (en)
Inventor
Ian David Tree
Original Assignee
Virtual Access Ltd
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
Priority claimed from GB0110808A external-priority patent/GB2375214B/en
Application filed by Virtual Access Ltd filed Critical Virtual Access Ltd
Application granted granted Critical
Publication of ATE371240T1 publication Critical patent/ATE371240T1/de

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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 OR CALCULATING; 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)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Marketing (AREA)
  • Information Transfer Between Computers (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Crystals, And After-Treatments Of Crystals (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Storage Device Security (AREA)
AT02726286T 2001-05-02 2002-05-01 Gesichertes zahlungsverfahren und -system ATE371240T1 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB0110808A GB2375214B (en) 2001-05-02 2001-05-02 Secure payment method and system
US09/859,206 US7110979B2 (en) 2001-05-02 2001-05-16 Secure payment method and system

Publications (1)

Publication Number Publication Date
ATE371240T1 true ATE371240T1 (de) 2007-09-15

Family

ID=29252429

Family Applications (1)

Application Number Title Priority Date Filing Date
AT02726286T ATE371240T1 (de) 2001-05-02 2002-05-01 Gesichertes zahlungsverfahren und -system

Country Status (6)

Country Link
US (1) US20070011093A1 (de)
EP (1) EP1407432B1 (de)
AT (1) ATE371240T1 (de)
AU (1) AU2002256770A1 (de)
DE (1) DE60221988T2 (de)
WO (1) WO2002089075A2 (de)

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US8712872B2 (en) 2012-03-07 2014-04-29 Redbox Automated Retail, Llc System and method for optimizing utilization of inventory space for dispensable articles
US8768789B2 (en) 2012-03-07 2014-07-01 Redbox Automated Retail, Llc System and method for optimizing utilization of inventory space for dispensable articles
US9886809B2 (en) 2007-09-28 2018-02-06 Redbox Automated Retail, Llc Article dispensing machine and method for auditing inventory while article dispensing machine remains operational
US20090248449A1 (en) * 2008-03-28 2009-10-01 Stat Physician P.C. Care Plan Oversight Billing System
US7827108B2 (en) * 2008-11-21 2010-11-02 Visa U.S.A. Inc. System and method of validating a relationship between a user and a user account at a financial institution
US9280771B2 (en) 2009-02-13 2016-03-08 International Business Machines Corporation Secure personal information profile
US20110047010A1 (en) * 2009-08-21 2011-02-24 Redbox Automated Retail, Llc Article vending machine and method for receiving restricted discount codes
US8996162B2 (en) 2009-09-05 2015-03-31 Redbox Automated Retail, Llc Article vending machine and method for exchanging an inoperable article for an operable article
US9104990B2 (en) 2009-09-05 2015-08-11 Redbox Automated Retail, Llc Article vending machine and method for exchanging an inoperable article for an operable article
US8280788B2 (en) * 2009-10-29 2012-10-02 Visa International Service Association Peer-to-peer and group financial management systems and methods
US20110106674A1 (en) * 2009-10-29 2011-05-05 Jeffrey William Perlman Optimizing Transaction Scenarios With Automated Decision Making
US8676639B2 (en) 2009-10-29 2014-03-18 Visa International Service Association System and method for promotion processing and authorization
US8538581B2 (en) 2010-09-03 2013-09-17 Redbox Automated Retail, Llc Article vending machine and method for authenticating received articles
US9569911B2 (en) 2010-08-23 2017-02-14 Redbox Automated Retail, Llc Secondary media return system and method
US8639778B2 (en) * 2011-02-01 2014-01-28 Ebay Inc. Commerce applications: data handshake between an on-line service and a third-party partner
EP2721576A4 (de) 2011-06-14 2014-10-29 Redbox Automated Retail Llc System und verfahren zum ersetzen eines medienartikels mit alternativen medien
CA2842293C (en) 2011-07-20 2019-10-22 Redbox Automated Retail, Llc System and method for providing the identification of geographically closest article dispensing machines
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US9747253B2 (en) 2012-06-05 2017-08-29 Redbox Automated Retail, Llc System and method for simultaneous article retrieval and transaction validation
US9576279B2 (en) 2012-06-05 2017-02-21 Autoscribe Corporation System and method for registering financial accounts
US9678986B2 (en) * 2012-12-05 2017-06-13 Wgrs Licensing Company, Llc Systems and methods for registering, administering, and using non-locational identifiers as locational addresses through location name and identifier registries
WO2014158582A1 (en) * 2013-03-14 2014-10-02 American Express Travel Related Services Company, Inc. Systems and methods for expense management
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US9443268B1 (en) 2013-08-16 2016-09-13 Consumerinfo.Com, Inc. Bill payment and reporting
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US11023880B2 (en) * 2016-07-23 2021-06-01 Vray Inc. Online mobile payment system and method using authentication codes
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CN107070858B (zh) 2016-12-21 2021-09-21 创新先进技术有限公司 一种业务处理方法及装置
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Also Published As

Publication number Publication date
DE60221988D1 (de) 2007-10-04
WO2002089075A2 (en) 2002-11-07
EP1407432B1 (de) 2007-08-22
EP1407432A2 (de) 2004-04-14
AU2002256770A1 (en) 2002-11-11
DE60221988T2 (de) 2008-05-15
WO2002089075A3 (en) 2003-11-06
US20070011093A1 (en) 2007-01-11

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