NO963456L - Metode og system for å oppnå betalingsformidling mellom betalingsmottaker ved salg av kontolöse småpengekost og selgere av de ytelser som kortet brukes til - Google Patents

Metode og system for å oppnå betalingsformidling mellom betalingsmottaker ved salg av kontolöse småpengekost og selgere av de ytelser som kortet brukes til

Info

Publication number
NO963456L
NO963456L NO963456A NO963456A NO963456L NO 963456 L NO963456 L NO 963456L NO 963456 A NO963456 A NO 963456A NO 963456 A NO963456 A NO 963456A NO 963456 L NO963456 L NO 963456L
Authority
NO
Norway
Prior art keywords
card
write
cards
balance
payee
Prior art date
Application number
NO963456A
Other languages
English (en)
Other versions
NO963456D0 (no
Inventor
Lasse Leirfall
Knut Larsen Oesterholt
Sigurd Sigbjoernsen
Original Assignee
Lasse Leirfall
Knut Larsen Oesterholt
Sigurd Sigbjoernsen
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 Lasse Leirfall, Knut Larsen Oesterholt, Sigurd Sigbjoernsen filed Critical Lasse Leirfall
Priority to NO963456A priority Critical patent/NO963456L/no
Publication of NO963456D0 publication Critical patent/NO963456D0/no
Priority to PCT/NO1997/000208 priority patent/WO1998008175A1/en
Priority to AU40349/97A priority patent/AU4034997A/en
Publication of NO963456L publication Critical patent/NO963456L/no

Links

Classifications

    • 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
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • 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
    • G06Q20/20—Point-of-sale [POS] network 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
    • G06Q20/38—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
    • G06Q20/4037—Remote solvency checks

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Metode og system for å oppnå oppgjørsformidling mellom betalingsmottaker(A,B) ved salg av, eller oppskriving av saldoverdi på kontoløse småpengekort eller elektroniske betalingsbrikker, -og andre selgere av de ytelser som kortet brukes til å betale for. Metoden innebærer at selger(A.B) av kort eller saldooppskrivingen på kort overfører salgsinntektene til et konteringssystems(KS) inntektskonti(AIK,BIK), hvor bruksautomatenes(P,BS,TA) registreringer (R1 ,R2,R3..,Rn) av saldonedskrivinger ved bruk av kortet, via forbindelselinjer(FL) også overføres til konteringssystemet(KS) hvor disse registreringene utgjør oppgjørsgrunnlag fra inntektskonti(AIK,BIK) for selger av kort eller av oppskriving av saldo på kort, og til konti(R1K,R2K,R3K...,RnK) for forskjellige selgere av ytelser fra bruksautomatene. Kortet eller brikken kan inneholde identifikasjon av den som har motatt betalingen, og identifikasjon av lands- eller valutatilhørighet.
NO963456A 1996-08-20 1996-08-20 Metode og system for å oppnå betalingsformidling mellom betalingsmottaker ved salg av kontolöse småpengekost og selgere av de ytelser som kortet brukes til NO963456L (no)

Priority Applications (3)

Application Number Priority Date Filing Date Title
NO963456A NO963456L (no) 1996-08-20 1996-08-20 Metode og system for å oppnå betalingsformidling mellom betalingsmottaker ved salg av kontolöse småpengekost og selgere av de ytelser som kortet brukes til
PCT/NO1997/000208 WO1998008175A1 (en) 1996-08-20 1997-08-19 A method and a system for achieving payment mediation between a payment recipient selling stored value cards, and vendors providing the services for which the cards are used
AU40349/97A AU4034997A (en) 1996-08-20 1997-08-19 A method and a system for achieving payment mediation between a payment recipient selling stored value cards, and vendors providing the services for which the cards are used

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
NO963456A NO963456L (no) 1996-08-20 1996-08-20 Metode og system for å oppnå betalingsformidling mellom betalingsmottaker ved salg av kontolöse småpengekost og selgere av de ytelser som kortet brukes til

Publications (2)

Publication Number Publication Date
NO963456D0 NO963456D0 (no) 1996-08-20
NO963456L true NO963456L (no) 1998-02-23

Family

ID=19899725

Family Applications (1)

Application Number Title Priority Date Filing Date
NO963456A NO963456L (no) 1996-08-20 1996-08-20 Metode og system for å oppnå betalingsformidling mellom betalingsmottaker ved salg av kontolöse småpengekost og selgere av de ytelser som kortet brukes til

Country Status (3)

Country Link
AU (1) AU4034997A (no)
NO (1) NO963456L (no)
WO (1) WO1998008175A1 (no)

Families Citing this family (27)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7216091B1 (en) 1998-06-26 2007-05-08 American Express Travel Related Services Company, Inc. Stored value transaction system including an integrated database server
US6418420B1 (en) 1998-06-30 2002-07-09 Sun Microsystems, Inc. Distributed budgeting and accounting system with secure token device access
GB2356963A (en) * 1999-11-30 2001-06-06 Gareth Poulter Electronic payment device
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US20130238488A1 (en) 2012-03-07 2013-09-12 Clearxchange, Llc System and method for transferring funds
US10318936B2 (en) 2012-03-07 2019-06-11 Early Warning Services, Llc System and method for transferring funds
US10395247B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc Systems and methods for facilitating a secure transaction at a non-financial institution system
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
US10970688B2 (en) 2012-03-07 2021-04-06 Early Warning Services, Llc System and method for transferring funds
US10769606B2 (en) 2015-03-23 2020-09-08 Early Warning Services, Llc Payment real-time funds availability
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10832246B2 (en) 2015-03-23 2020-11-10 Early Warning Services, Llc Payment real-time funds availability
US10748127B2 (en) 2015-03-23 2020-08-18 Early Warning Services, Llc Payment real-time funds availability
US10878387B2 (en) 2015-03-23 2020-12-29 Early Warning Services, Llc Real-time determination of funds availability for checks and ACH items
US11062290B2 (en) 2015-07-21 2021-07-13 Early Warning Services, Llc Secure real-time transactions
US11151523B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US11386410B2 (en) 2015-07-21 2022-07-12 Early Warning Services, Llc Secure transactions with offline device
US10438175B2 (en) 2015-07-21 2019-10-08 Early Warning Services, Llc Secure real-time payment transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10963856B2 (en) 2015-07-21 2021-03-30 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US11157884B2 (en) 2015-07-21 2021-10-26 Early Warning Services, Llc Secure transactions with offline device
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US12499427B2 (en) 2021-08-31 2025-12-16 Early Warning Services, Llc Direct electronic bill payment with real-time funds availability

Family Cites Families (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH07104891B2 (ja) * 1986-08-05 1995-11-13 沖電気工業株式会社 取引処理装置
NL1000352C2 (nl) * 1995-05-12 1996-11-13 Nederland Ptt Elektronisch betaalsysteem met verschillende rekeneenheden, elektronisch betaalmiddel alsmede werkwijze voor elektronisch betalen.

Also Published As

Publication number Publication date
AU4034997A (en) 1998-03-06
WO1998008175A1 (en) 1998-02-26
NO963456D0 (no) 1996-08-20

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