WO2004031908A3 - Procede et systeme de paiement de personne a personne securise - Google Patents

Procede et systeme de paiement de personne a personne securise Download PDF

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Publication number
WO2004031908A3
WO2004031908A3 PCT/US2003/030900 US0330900W WO2004031908A3 WO 2004031908 A3 WO2004031908 A3 WO 2004031908A3 US 0330900 W US0330900 W US 0330900W WO 2004031908 A3 WO2004031908 A3 WO 2004031908A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
host computer
person
account
payee
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.)
Ceased
Application number
PCT/US2003/030900
Other languages
English (en)
Other versions
WO2004031908A2 (fr
WO2004031908A9 (fr
Inventor
David John Liu
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.)
EPACIFIC Inc
Original Assignee
EPACIFIC Inc
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 EPACIFIC Inc filed Critical EPACIFIC Inc
Priority to AU2003277132A priority Critical patent/AU2003277132A1/en
Publication of WO2004031908A2 publication Critical patent/WO2004031908A2/fr
Publication of WO2004031908A3 publication Critical patent/WO2004031908A3/fr
Publication of WO2004031908A9 publication Critical patent/WO2004031908A9/fr
Anticipated expiration legal-status Critical
Ceased 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
    • 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

Landscapes

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

Abstract

L'invention concerne un procédé et un système permettant un paiement entre parties. Une demande de paiement est envoyée par un bénéficiaire à un ordinateur hôte, cette demande comprenant un numéro de compte et un numéro d'identification personnel (NIP) pour un compte de crédit. En réponse, l'ordinateur hôte génère une référence de transaction indexant un montant de paiement et le compte de crédit sur lequel le montant de paiement doit être versé. La référence de transaction est transférée par l'intermédiaire du bénéficiaire à un payeur. Le payeur fournit alors à l'ordinateur hôte des informations de paiement comprenant la référence de transaction et un compte de débit avec jeton d'authentification, tel qu'un NIP, à partir duquel le montant de paiement doit être transféré. Au moyen d'un réseau financier bancaire, l'ordinateur hôte transfère le montant de paiement du compte de débit au compte de crédit de manière à exécuter le paiement entre parties. Ensuite, le payeur et/ou le bénéficiaire reçoit éventuellement une quittance en provenance de l'ordinateur hôte.
PCT/US2003/030900 2002-10-01 2003-10-01 Procede et systeme de paiement de personne a personne securise Ceased WO2004031908A2 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003277132A AU2003277132A1 (en) 2002-10-01 2003-10-01 Method and system for secure person to person payment

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US26030402A 2002-10-01 2002-10-01
US10/260,304 2002-10-01

Publications (3)

Publication Number Publication Date
WO2004031908A2 WO2004031908A2 (fr) 2004-04-15
WO2004031908A3 true WO2004031908A3 (fr) 2004-06-03
WO2004031908A9 WO2004031908A9 (fr) 2004-07-22

Family

ID=32068189

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/030900 Ceased WO2004031908A2 (fr) 2002-10-01 2003-10-01 Procede et systeme de paiement de personne a personne securise

Country Status (2)

Country Link
AU (1) AU2003277132A1 (fr)
WO (1) WO2004031908A2 (fr)

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2011047331A2 (fr) * 2009-10-16 2011-04-21 Visa International Service Association Système et procédé d'anti-hameçonnage comprenant une liste avec des données d'utilisateur
WO2014097174A1 (fr) * 2012-12-21 2014-06-26 Leon Johannes Brits Paiements sécurisés à l'aide de dispositifs de communication portables et de codes bidimensionnels
US10600039B2 (en) 2015-05-20 2020-03-24 Mastercard International Incorporated Systems and methods for managing financial payments between parties
US10861042B2 (en) * 2016-04-19 2020-12-08 Mastercard International Incorporated Method and system for platform attribution using digitized tokens
US11663591B2 (en) * 2019-04-10 2023-05-30 Mastercard International Incorporated Facilitation of real-time payment network transactions
US12518268B2 (en) * 2020-10-09 2026-01-06 Mastercard International Incorporated Personally identifiable information secure person-to-person payment technology

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6408284B1 (en) * 1993-11-01 2002-06-18 Visa International Service Association Electronic bill pay system for consumers to generate messages directing financial institutions to pay a biller's bill
US6629080B1 (en) * 1998-07-20 2003-09-30 Usa Technologies, Inc. Transaction processing method of fulfilling an electronic commerce transaction by an electronic commerce terminal system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6408284B1 (en) * 1993-11-01 2002-06-18 Visa International Service Association Electronic bill pay system for consumers to generate messages directing financial institutions to pay a biller's bill
US6629080B1 (en) * 1998-07-20 2003-09-30 Usa Technologies, Inc. Transaction processing method of fulfilling an electronic commerce transaction by an electronic commerce terminal system

Also Published As

Publication number Publication date
AU2003277132A8 (en) 2004-04-23
WO2004031908A2 (fr) 2004-04-15
WO2004031908A9 (fr) 2004-07-22
AU2003277132A1 (en) 2004-04-23

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