CA2437507C - 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

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Publication number
CA2437507C
CA2437507C CA2437507A CA2437507A CA2437507C CA 2437507 C CA2437507 C CA 2437507C CA 2437507 A CA2437507 A CA 2437507A CA 2437507 A CA2437507 A CA 2437507A CA 2437507 C CA2437507 C CA 2437507C
Authority
CA
Canada
Prior art keywords
customer
transaction
merchant
authorization
data
Prior art date
Legal status (The legal status 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 status listed.)
Expired - Lifetime
Application number
CA2437507A
Other languages
English (en)
Other versions
CA2437507A1 (fr
Inventor
Vincent W. Talbert
Thomas H. Keithly
Daniel A. Hirschfeld
Mark L. Lavelle
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
PayPal Pte Ltd
Original Assignee
PayPal Pte 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
Application filed by PayPal Pte Ltd filed Critical PayPal Pte Ltd
Publication of CA2437507A1 publication Critical patent/CA2437507A1/fr
Application granted granted Critical
Publication of CA2437507C publication Critical patent/CA2437507C/fr
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

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
    • 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 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
    • G06Q20/12—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
    • G06Q20/38—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.
CA2437507A 2001-02-07 2002-02-07 Procede et systeme servant a executer une transaction entre un client et un vendeur Expired - Lifetime CA2437507C (fr)

Applications Claiming Priority (7)

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
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

Publications (2)

Publication Number Publication Date
CA2437507A1 CA2437507A1 (fr) 2002-08-15
CA2437507C true CA2437507C (fr) 2015-10-27

Family

ID=27401931

Family Applications (1)

Application Number Title Priority Date Filing Date
CA2437507A Expired - Lifetime CA2437507C (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 (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20230360054A1 (en) * 2020-02-21 2023-11-09 Mastercard International Incorporated Systems and methods for automatically reversing electronic instructions based on first and second electronic messages

Families Citing this family (41)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU777141B2 (en) 1998-11-13 2004-10-07 Chase Manhattan Bank, The System and method for multicurrency and multibank processing over a non-secure network
EP1188135A2 (fr) 1998-12-23 2002-03-20 The Chase Manhattan Bank Systeme et procede d'integration d'operations commerciales comprenant la generation, le traitement et le suivi de documents commerciaux et documents concernes
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
US7584125B2 (en) 2000-06-26 2009-09-01 Jpmorgan Chase Bank, N.A. Electronic check presentment system and method having an item sequence capability
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
US7206768B1 (en) 2000-08-14 2007-04-17 Jpmorgan Chase Bank, N.A. Electronic multiparty accounts receivable and accounts payable system
US7587363B2 (en) 2000-11-06 2009-09-08 Jpmorgan Chase Bank, N.A. System and method for optimized funding of electronic transactions
WO2002037386A1 (fr) 2000-11-06 2002-05-10 First Usa Bank, N.A. Systeme et procede de financement selectif de transactions electroniques
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US7401048B2 (en) 2001-06-01 2008-07-15 Jpmorgan Chase Bank, N.A. System and method for trade settlement tracking and relative ranking
US7822684B2 (en) 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
US7437327B2 (en) 2002-05-24 2008-10-14 Jp Morgan Chase Bank Method and system for buyer centric dispute resolution in electronic payment system
US7689482B2 (en) 2002-05-24 2010-03-30 Jp Morgan Chase Bank, N.A. System and method for payer (buyer) defined electronic invoice exchange
US7519560B2 (en) 2002-05-24 2009-04-14 Jpmorgan Chase Bank, N.A. System and method for electronic authorization of batch checks
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
WO2005017694A2 (fr) 2003-08-11 2005-02-24 Jp Morgan Chase Bank Systeme de paiement par coupons
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
US7380707B1 (en) 2004-02-25 2008-06-03 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US8554673B2 (en) 2004-06-17 2013-10-08 Jpmorgan Chase Bank, N.A. Methods and systems for discounts management
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing
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
US7360686B2 (en) 2005-05-11 2008-04-22 Jp Morgan Chase Bank Method and system for discovering significant subsets in collection of documents
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
DE112009000137T5 (de) 2008-01-15 2011-02-17 Visa U.S.A. Inc., San Francisco System und Verfahren zur Datenvervollständigung mit Anschubkennung
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
US9092447B1 (en) 2008-10-20 2015-07-28 Jpmorgan Chase Bank, N.A. Method and system for duplicate detection
US8391584B2 (en) 2008-10-20 2013-03-05 Jpmorgan Chase Bank, N.A. Method and system for duplicate check detection
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage

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* Cited by examiner, † Cited by third party
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US5793028A (en) * 1996-06-24 1998-08-11 Fred N. Gratzon Electronic transaction security system
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
US7366695B1 (en) * 2000-02-29 2008-04-29 First Data Corporation Electronic purchase method and funds transfer 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

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20230360054A1 (en) * 2020-02-21 2023-11-09 Mastercard International Incorporated Systems and methods for automatically reversing electronic instructions based on first and second electronic messages

Also Published As

Publication number Publication date
CA2437507A1 (fr) 2002-08-15
AU2009200162A1 (en) 2009-02-12
WO2002063432A3 (fr) 2003-03-06
AU2009200162B2 (en) 2011-06-02
EP1358609A2 (fr) 2003-11-05
WO2002063432A8 (fr) 2003-12-24
AU2002247093B2 (en) 2008-10-16
EP1358609A4 (fr) 2007-11-28
WO2002063432A2 (fr) 2002-08-15

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EEER Examination request
MKEX Expiry

Effective date: 20220207