US20110137751A1 - Computerized system for facilitating transactions between parties on the internet using e-mail - Google Patents

Computerized system for facilitating transactions between parties on the internet using e-mail Download PDF

Info

Publication number
US20110137751A1
US20110137751A1 US12/758,711 US75871110A US2011137751A1 US 20110137751 A1 US20110137751 A1 US 20110137751A1 US 75871110 A US75871110 A US 75871110A US 2011137751 A1 US2011137751 A1 US 2011137751A1
Authority
US
United States
Prior art keywords
user
buyer
network
payment
financial transaction
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.)
Abandoned
Application number
US12/758,711
Inventor
Lee H. Stein
Einar A. Stefferud
Nathaniel S. Borenstein
Marshall T. Rose
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 Inc
Original Assignee
Stein Lee H
Stefferud Einar A
Borenstein Nathaniel S
Rose Marshall T
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 Stein Lee H, Stefferud Einar A, Borenstein Nathaniel S, Rose Marshall T filed Critical Stein Lee H
Priority to US12/758,711 priority Critical patent/US20110137751A1/en
Publication of US20110137751A1 publication Critical patent/US20110137751A1/en
Assigned to PAYPAL, INC. reassignment PAYPAL, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: EBAY INC.
Abandoned legal-status Critical Current

Links

Images

Classifications

    • GPHYSICS
    • G09EDUCATION; CRYPTOGRAPHY; DISPLAY; ADVERTISING; SEALS
    • G09BEDUCATIONAL OR DEMONSTRATION APPLIANCES; APPLIANCES FOR TEACHING, OR COMMUNICATING WITH, THE BLIND, DEAF OR MUTE; MODELS; PLANETARIA; GLOBES; MAPS; DIAGRAMS
    • G09B5/00Electrically-operated educational appliances
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q10/00Administration; Management
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/02Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/12Payment architectures specially adapted for electronic shopping systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/229Hierarchy of users of accounts
    • G06Q20/2295Parent-child type, e.g. where parent has control on child rights
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/018Certifying business or products
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0613Third-party assisted
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0613Third-party assisted
    • G06Q30/0617Representative agent
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q30/00Commerce
    • G06Q30/06Buying, selling or leasing transactions
    • G06Q30/0601Electronic shopping [e-shopping]
    • G06Q30/0633Lists, e.g. purchase orders, compilation or processing
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/0014Coin-freed apparatus for hiring articles; Coin-freed facilities or services for vending, access and use of specific services not covered anywhere else in G07F17/00
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F17/00Coin-freed apparatus for hiring articles; Coin-freed facilities or services
    • G07F17/16Coin-freed apparatus for hiring articles; Coin-freed facilities or services for devices exhibiting advertisements, announcements, pictures or the like

Definitions

  • the present invention relates to a system for enabling payment for information products that can be transferred electronically over a nonsecure network, and more particularly, the present invention relates to a payment system that can be used to enable an Internet user to make a payment to another Internet user for information products of value that can be electronically transferred over the Internet.
  • the Internet has emerged as a large community of electronically-connected users located around the world who readily and regularly exchange significant amounts of information.
  • the Internet continues to serve its original purposes of providing for access and exchange of information among government agencies, laboratories, and universities for research and education.
  • the Internet has evolved to serve a variety of interests and forums that extend beyond its original goals.
  • the Internet has been considered as a potential new marketplace for information products. It is now physically possible to transfer information products such as articles, software, cartoons, etc., via the Internet.
  • Information products can be delivered electronically without physical packaging. Because information is easily duplicated with the point and click of a mouse on a user's workstation, the cost of manufacturing and reproducing inventory closely approaches zero, leaving the cost of creating or synthesizing the information as the dominant cost. Once an information product has been developed, there may be little or no cost of manufacturing or inventory since a copy of the product can be shipped whenever a buyer makes a purchase given that the merchant has the bandwidth available. Given that the cost of inventory on the Internet is close to zero, there are potentially tens of thousands of information sellers, i.e. people with ideas or information products to sell, on the Internet. Another advantage of using the Internet as a marketplace is that, depending on the kind of information product involved, processing of a buyer's order can be automated, so there is no need for a worker to manually intervene to complete a transaction.
  • a method and payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet.
  • the payment system provides cardholder accounts for the first and second Internet users.
  • the second user sends the information product to the first user over the Internet
  • the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user.
  • the front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product.
  • the payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user.
  • Security is maintained by isolating financial and credit information of users' cardholder accounts from the front end portion of the payment system and by isolating the account identifying information from the associated e-mail address.
  • FIG. 1 is a block diagram illustrating the relationship between a payment system of a first embodiment of the present invention to a large network.
  • FIG. 2 is a block diagram of a hardware configuration for the payment system of FIG. 1 .
  • FIG. 3 is a block diagram of the program arrangement of the payment system of FIG. 1 ;
  • FIG. 4 is a diagram of data for a cardholder account for use with the payment system of FIG. 1 ;
  • FIG. 5 is a flow chart showing message flow for the initial steps of a funds transaction using the payment system of FIG. 1 ;
  • FIGS. 6A-6Q are diagrams of data messages used in connection with the payment system of FIG. 1 ;
  • FIG. 7 is a flow chart showing the message flow for a cardholder inquiry request using the payment system of FIG. 1 ;
  • FIG. 8 is a flow chart showing the message flow for a transfer query request and reply using the payment system of FIG. 1 ;
  • FIG. 9 is a flow chart showing the message flow for payment failure using the payment system of FIG. 1 ;
  • FIG. 10 is a flow chart showing the message flow for payment notification using the payment system of FIG. 1 ;
  • FIG. 11 is a flow chart showing message flow for a chargeback process using the payment system of FIG. 1 ;
  • FIG. 12 is a flow chart showing message flow for a capabilities request process using the payment system of FIG. 1 ;
  • FIG. 13 is a message flow diagram showing messages for a new account transaction between a user and the payment system of FIG. 1 .
  • FIG. 1 shows a block diagram of a first embodiment of the present invention for a payment system 10 .
  • the payment system 10 is shown in relation to the Internet network 12 .
  • the Internet network 12 is a large, quasi-public network having many users 14 .
  • the Internet network 12 is of a type that the users 14 can access by various means such as conventional commercial telephone systems.
  • the network 12 provides numerous services for its users such as e-mail or World Wide Web (WWW).
  • WWW World Wide Web
  • the payment system 10 is specifically useful for the Internet, it may be used in conjunction with other e-mail based systems having a plurality of users.
  • one of the users 14 wishes to acquire an information product 26 from another of the users (designated as an information seller 28 ).
  • the information seller 28 may be any user with an information product to vend.
  • the information product 26 can be any item that is transferable over the Internet network 12 .
  • the information product 26 may be a message, an article, an original work of authorship, a composition, a writing, music, a pictorial work, a drawing, a cartoon, a story, a software program, a recipe, jokes, and so on.
  • the information seller 28 wishes to sell a copy of the information product 26 to the information buyer 20 at a price.
  • the price may be an advertised price (e.g.
  • FIG. 1 shows only one information seller 28 and one information buyer 20 , the payment system 10 is understood to extend to include multiple buyers of one seller, multiple sellers to one buyer, and multiple sellers and multiple buyers. Also, a buyer or a seller may be an individual, a company, or an institution.
  • the financial transaction settlement system 30 represents presently-available commercial institutions that process credit and other financial transactions.
  • the financial transaction settlement system 30 may represent commercially available credit card processing institutions (e.g. Visa, Master Card, Discover, and so on).
  • the financial transaction settlement system 30 includes two components: an issuer 32 and an acquirer 34 .
  • the issuer 32 includes banks, or other institutions, that issue credit cards to persons, sends statements and bills to credit card holders on a regular basis, and collects payment from the credit card holders. These functions are not performed on the Internet but use conventional mail delivery, authorized direct withdrawals from bank accounts, etc.
  • the payment system 10 of the present embodiment utilizes these commercially available issuers 32 to bill users and to collect payment from users for their transactions on the Internet 12 using the payment system 10 .
  • a user's transactions using the Internet would show up on the user's credit card statement as a charge from the payment system 10 although individual transactions using the payment system 10 on the Internet 12 may not be specifically listed on the credit card statement.
  • the financial transaction settlement system 30 also includes the acquirer component 34 .
  • This acquirer component 34 is a bank or other institution that provides a merchant account to the payment system 10 .
  • the merchant account provided to the payment system 10 is similar or identical to the conventional merchant accounts that are provided to other businesses.
  • the payment system 10 forwards user charges to the acquirer component 34 thereby getting user charges into a conventional, commercially-available settlement system.
  • the acquirer 34 processes the user charges received from the payment system and passes this information to the issuer component 32 for the preparation and sending of monthly statements and bills to users and collecting payment from users.
  • FIG. 2 is a block diagram illustrating one possible configuration of hardware components used to implement the payment system 10 of FIG. 1 .
  • the payment system 10 includes two computers: a front end computer 50 and a back end computer 52 .
  • the front end computer 50 and the back end computer 52 are connected together via a private network 53 .
  • the private network is an Ethernet network.
  • the front end computer 50 includes a front end system board 54 associated with a front end memory 56 , a storage device 58 such as a fixed disk drive, a back up tape drive 60 , a removable media drive 62 , a monitor 64 , and a power supply 66 .
  • the front end computer 50 is connected to the Internet 12 is by means of a leased T1 line 69 .
  • the back end computer 52 includes a back end computer system board 68 associated with a back end computer memory 70 , a back end computer storage device 72 such as a fixed disk drive, a back up tape drive 74 , a removable media drive 76 , a monitor 78 , and a power supply 80 .
  • the back end computer 52 is connected to the front end computer 50 by means of Ethernet cable.
  • the back end computer 52 also has a Novell LAN 81 that provides a communication link to the settlement system 30 .
  • Both the front end computer 50 and the back end computer 52 in this embodiment are preferably commercially available Sun Microsystems SS1000 computers.
  • both the front end computer 50 and the back end computer 52 are equipped with 64 MB memory.
  • the dedicated private network is an Ethernet and includes a SBus host adaptor.
  • the communication server is a Sun Microsystems SPARCserver 1000.
  • Both the front end monitor 64 and the back end monitor 78 are commercially available Sun 17′′ monitors.
  • the front end and back end tape drives are Python SGB tape drives using 4 mm tape available from Sony, Inc.
  • the front end disk drive 58 and the back end disk drive 72 are commercially available Seagate 1.7 GB disk drives.
  • the host adaptor is a Sun Microsystems SBus host adaptor.
  • the network server is a commercially available Sun Microsystems SSarray 101 .
  • the front end computer 50 runs a front end program 90 .
  • the front end program 90 is a software program that provides for communication with users 14 on the Internet network 12 .
  • the front end program 90 includes several modules that can be accessed and used by users 14 of the Internet.
  • the modules included on the front end program include modules that permit users 14 to make a funds transfer transaction 91 , to check a subscriber's status 92 , to enroll as subscribers 93 , etc.
  • the back end computer 52 runs a back end program 92 .
  • the front end program 90 is physically separate and isolated from the back end program 92 .
  • the back end program 92 receives information from and sends information to the front end program 90 only by means of batch processing. This results in an inherently safe method of communicating between the publicly accessible part of the payment system, i.e. the front end computer 50 , and the secure part of the payment system, i.e. the back end computer 52 .
  • the information buyer 20 and the information seller 28 both need to have subscriber or cardholder accounts with the payment system 10 .
  • users of the Internet network 12 may conduct commercial transactions with each other, such as paying for information products 26 , making charitable contributions, etc.
  • a cardholder account 100 includes at least the following information: a cardnumber 102 , an Internet e-mail address 104 , a state 106 , a pay-in selection 108 , a pay-out selection 110 , and a currency preference 112 . Each of these items is explained below.
  • the cardnumber 102 uniquely identifies the cardholder account 100 .
  • the cardnumber 102 is an alphanumeric string that is easily typed and read by a human. Also, the cardnumber 102 is relatively hard to guess and bears no deducible relationship to any financial artifact, such as a credit cardnumber, a checking account number, nor to any e-mail address.
  • the cardholder Internet e-mail address 104 is the e-mail address of the cardholder that is unique for each user of the Internet.
  • the state 106 is one of “active”, “suspended”, or, “invalid”.
  • the pay-in selection 108 is how the cardholder transfers funds, i.e. makes payment, to the payment system 10 . Typically, this may be done by using a conventional authorization to charge a credit card.
  • the pay-in selection is not encoded in or directly derivable from the cardnumber.
  • the pay-out selection 110 is how a the payment system 10 transfers funds to, i.e. pays, the cardholder. This may include use of a direct deposit checking account, etc.
  • the pay-out selection 110 is not encoded in or directly derivable from the cardnumber.
  • the currency preference 112 is the national currency used for the pay-in selection 108 and pay-out selection 110 between the payment system 10 and the subscriber.
  • Subscriber account information is distributed in the payment system 10 .
  • the front end computer 50 where it is accessible by the front end program 90 .
  • a full copy of all the cardholder account information resides on the back end computer 52 where it is accessible by the back end program 92 .
  • Included on the back end computer 52 is a copy of the portion of the cardholder information on the front end computer 50 .
  • the part of the subscriber account information that resides on the front end computer 50 is located in a data file 113 stored on the front end computer storage device 58 .
  • the subscriber account information that resides on the back end computer 52 is located in a data file 114 stored on the back end computer storage device 72 .
  • the storage device 58 associated with the front end computer 50 located on the storage device 58 associated with the front end computer 50 is that portion of the subscriber account information 106 that includes the subscriber account number 102 , the Internet e-mail address information 104 , the state 106 , and the currency preference 112 .
  • the front end computer 50 does not contain any of the pay-in 108 or pay-out 110 information, such as credit card information, etc., associated with any of the subscribers.
  • Credit card or other payment information is located only in the data file 114 on the storage device 72 of back end computer 52
  • users 14 may use a user interface software program 118 that can be run on their own computers for interactive access, or alternatively, users 14 may access the payment system 90 via conventional e-mail programs, for store-and-forward access.
  • Programs 90 and 118 may be written in any suitable programming language, such as Tcl or C.
  • the software modules are capable of being used with the UNIX operating system, DOS, and may be ported to various other operating systems.
  • Listings of code for the front end program 90 and the user interface program 118 are included at appendices A and B, repectively.
  • a publication entitled “The application/green-commerce MIME Content-type” is included at appendix C and includes a format for Internet communication for use between users of the Internet and the payment system 10 .
  • the payment system 10 provides users of the Internet with a variety of services and functions, including making a funds transfer transaction, validating a subscriber's status, and enrolling as a subscriber. Several of these services and functions are described below.
  • a funds transfer transaction occurs when one Internet user who is a subscriber, i.e. who has a cardholder account on the payment system 10 , acting as an information seller 28 , requests payment from another cardholder, acting as an information buyer 20 . Typically, this may occur when a buyer 20 purchases an information product 26 over the Internet 12 . However, this transaction may result for other reasons, e.g. to facilitate charitable contributions, to pay for computer or software customer support, etc.
  • the buyer 20 may be aware of the seller 28 and his information product via advertising, on the Internet or other media, through others, from a bulletin board, from a product warehouse on the Internet, or any other means.
  • the buyer 20 is aware of a means to contact the seller via the Internet.
  • the buyer 20 may contact the seller 28 by sending a message to the seller's Internet address or by an interactive protocol, World Wide Web (WWW), FTP, etc., so that a message can be sent to the seller 28 .
  • the means to contact the seller may be included in advertising, etc.
  • FIG. 5 shows an initial part of the message flow for a funds transfer transaction according to the first embodiment of the present invention.
  • the Internet user who is the buyer 20 sends a message 128 to (or otherwise communicates with by means of interactive protocols, WWW, etc.) the Internet user who is the seller 28 via the Internet 12 .
  • the buyer's message 128 is the first step in initiating the funds transfer transaction using the payment system 10 .
  • the buyer 20 may include the cardnumber 102 B as a username in a file transferred from the buyer 20 to the seller 28 using the Internet 12 .
  • a cardnumber inquiry transaction occurs when one cardholder wishes to ascertain the state 106 of another cardholder's account.
  • a cardnumber inquiry transaction occurs when one cardholder, acting as a seller, is deciding whether to send an information product 26 to another cardholder, who represents to be a cardholder and who is interested in acquiring the information product from the seller 28 .
  • the seller 28 may send an inquiry-request message 216 containing the buyer's cardnumber 102 B to the front end program 90 using the Internet 12 .
  • the inquiry-request message 216 contains at least the buyer's cardnumber 102 B.
  • the front end program 90 sends the seller 28 an inquiry-result message 218 .
  • the inquiry-result message 218 contains the buyer's cardnumber 102 B and the state 106 B associated with the buyer's account. If the buyer's cardholder account state 106 B is “active”, presumably the buyer is in good standing and the seller 28 can proceed with the transaction by sending the information product 26 to the buyer 20 via the Internet.
  • the seller 28 If the buyer's cardholder account status 106 B is “invalid”, the seller 28 knows that the account is no good and that funds transfer transactions cannot be processed through it. If the buyer's cardholder account status 106 B is “suspended”, the seller knows that the buyer 20 has not been responsive to recent transaction attempts. The seller 28 may still decide to send the information product 26 to the buyer 20 and a funds transfer transaction will be processed. No guarantee of payment is made however.
  • an information seller 28 may prefer to send an inquiry-request 216 to the payment system 10 prior to sending an information product to the buyer 20 , the seller 28 may choose to skip the inquiry-request step. At this stage, the seller 28 sends the information product 26 to the buyer 20 via the Internet.
  • the seller 28 also sends a transfer-request message 129 to the payment system 10 via the Internet 12 .
  • the seller 28 sends the transfer-request message 129 to the front end program 90 on the front end computer 50 .
  • the transfer-request message 129 may be sent by either e-mail or using an interactive protocol on the Internet 12 .
  • the transfer-request message 129 contains the following information: the buyer cardnumber 102 B, the seller cardnumber 102 S, a transfer type 130 (e.g., sale of information), a textual description 132 of the transaction, a transfer amount 134 , the currency 112 S (e.g., USD); and optionally, the merchant's transaction-identifier 136 .
  • a transfer type 130 e.g., sale of information
  • a textual description 132 of the transaction e.g., a textual description 132 of the transaction
  • a transfer amount 134 e.g., the currency 112 S (e.g., USD); and optionally, the merchant's transaction-identifier 136 .
  • the front end program 90 After receiving the transfer-request message 129 , the front end program 90 asks the buyer 20 whether the buyer 20 wishes to authorize payment for the transaction 132 to the seller 28 . Specifically, the front end program 90 sends a transfer-query message 140 to the buyer 20 , as shown in FIG. 8 . Using the information contained in the transfer-request message 129 from the seller 28 , specifically the buyer's cardnumber 102 B and the seller's cardnumber 102 S, the front end program 90 looks up the buyer's name 103 B and the seller's name 103 S. As shown in FIG.
  • the transfer-query message 140 contains: a transaction-identifier 142 uniquely-generated by the front end program 90 , the buyer's name 103 B, the seller's name 103 S, the transfer type 130 , the textual description of the transaction 132 , and a transfer amount 135 in the currency preference 112 B associated with the buyer's cardholder account (which may represent a currency exchange of the transaction amount 134 into the buyer's currency preference 112 B and further which fixes the transfer amount, with respect to currency fluctuations, in the currency used by the buyer).
  • a transaction-identifier 142 uniquely-generated by the front end program 90
  • the buyer's name 103 B the seller's name 103 S
  • the transfer type 130 the transfer type 130
  • the textual description of the transaction 132 a transfer amount 135 in the currency preference 112 B associated with the buyer's cardholder account
  • a transfer amount 135 in the currency preference 112 B associated with the buyer's cardholder account which may represent a currency exchange of the transaction amount 134 into the buyer's
  • the buyer's name 103 B and the seller's name 103 B are used instead of the buyer's cardnumber 102 and the seller's cardnumber 102 S in order to minimize transmission of the cardnumber information over the Internet thereby improving security of the system.
  • the front end program 90 waits for a response from the buyer 20 .
  • the buyer 20 may respond by sending a transfer-response message 150 to the front end computer 50 via the Internet, as shown in FIG. 8 .
  • the transfer-response message 150 contains the following data: the payment system generated transaction-identifier 142 and an indication 152 of the buyer's willingness to allow transfer of funds.
  • the willingness indication 152 is one of “yes”, “no”, or, “fraud”.
  • the structure of the transfer-query message 140 facilitates preparation of the transfer-result message 150 by the buyer 20 .
  • the transaction-identifier 142 is placed in the “subject” of the transfer-query message 140 and the e-mail address to which the buyer's transfer-response message 150 should be sent (e.g. “response@card.com”) is placed in the “sender's address” of the transfer-query message 140 .
  • the front end program 90 then sends a transfer-result message 160 to the seller 28 via the Internet 12 .
  • the transfer-result message 160 contains the following information: the transaction-identifier 142 , the seller's name 103 S, the buyer's name 103 B, the transfer type 130 , the textual description of the transaction 132 , the transfer amount 135 in the currency 112 B associated with the buyer's cardholder account, the indication 152 of the buyer's willingness to allow transfer of funds, and the seller's transaction-identifier 136 if present in the originating transfer-request message 129 .
  • the front end program 90 transfers the transaction information, by batch processing, to the back end program 92 which adds the transaction information to a settlement queue 168 .
  • the settlement queue 168 is a data file located on the storage device 72 of the back end computer 52 .
  • the front end program 90 sends a transfer-result 160 to the seller 28 with a “no” indication 152 .
  • a service charge to the buyer 20 may be generated.
  • Information regarding the buyer's “no” reply in the transfer-response 150 is batched from the front end program 90 to the back end program 92 where a service charge may be added to the settlement queue 168 for the buyer 20 .
  • the state 106 B of buyer's account 100 B will become “suspended”. This is to prevent a user from making a practice of ordering and receiving information products without paying for them. If the buyer's account state 106 B becomes suspended, this information is also transmitted by batch processing from the front end program 90 to the back end program 92 so that the cardholder account information on the back end computer 52 conforms to that on the front end computer 50 .
  • the payment system 10 changes the state 106 B of the buyer's cardholder account 100 B to “invalid”.
  • a response of fraud indicates that the buyer 20 never requested the information product 26 .
  • the information that the buyer 20 responded “fraud” to the willingness indication 152 is also transmitted by batch processing from the front end program 90 to the back end program 92 so that the cardholder account information on the back end computer 52 conforms to that on the front end computer 50 .
  • the front end program 90 sends the transfer-query message 140 to the buyer 20 , if a period of time elapses and the front end program 90 does not receive a transfer-response message 150 from the buyer 20 , the front end program will send the transfer-query message 140 again, i.e. a second notice.
  • the front end program 90 may send the transfer-query message to the buyer 20 several times until a response from the buyer 20 is obtained.
  • the front end program 90 causes the buyer's cardholder account 100 B to become suspended. This is done by changing the buyer's cardholder state 106 B from “active” to “suspended”. However, if a transfer-response 150 is received and/or the number of outstanding transfer-query messages 140 for the buyer 20 drops to less than a certain threshold, the buyer's account 100 B may be returned to an “active” state. Further, any outstanding transfer-query messages 140 may be sent again some time later.
  • Processing of the charges and credits between the back end computer 52 and the settlement system 30 is conducted off the Internet using secure communications channels. This isolates the buyer-seller activity which occurs on the Internet from the financial and credit activity which occurs off the Internet.
  • the back end program 92 regularly checks the accumulated purchase transactions for each cardholder in the settlement queue 168 for age and amount. For example, the back end program 92 checks whether the accumulated purchase transactions for a cardholder are either 30 days old or reach a threshold of at least $10.00. When the accumulated purchase transactions for a cardholder reach either the age or amount threshold, the back end program 92 batches the accumulated transactions into a single funds transfer transaction using the buyer's pay-in selection 108 B associated with the buyer's cardholder account 100 B. This is typically accomplished by posting a charge 194 to the buyer's credit card account.
  • the back end program 92 transmits an accumulated charge 194 to the credit card system network 30 via the acquirer component 34 where the payment system 10 maintains a conventional merchant account.
  • the credit card network includes a component 196 that initially checks the validity of the buyer's credit card number, e.g. pay-in selection 108 B, to determine whether the credit card is lost, stolen, expired, overlimit, etc.
  • the back end program 92 changes the buyer's cardholder state 106 B to “suspended”.
  • the back end program 92 also sends the failure information, by batch processing, to the front end program 90 so that the buyer's cardholder state 106 B on the front end computer 50 is also changed to “suspended”.
  • the front end program 90 then sends a payin-failure-notification message 210 to the buyer 20 over the Internet.
  • the payin-failure-notification message 210 contains the notification-identifier 144 associated with the pay-in method 108 , the transfer amount 134 , and the currency 112 S.
  • the front end program 90 also sends a collection-failure-notification message 211 to the seller 28 over the Internet. As shown in FIG. 6I , this collection-failure-notification message 211 contains the server's transaction-identifier 138 , and the amount 134 and currency 112 associated with the transaction.
  • the acquirer 34 processes the accumulated charge 194 in the credit card system 30 to post the charge to the buyer's credit card in the usual manner by sending the appropriate information to the buyer's credit card issuer 32 .
  • the buyer's credit card issuer 32 sends the buyer 20 a credit card bill 190 , typically via the postal system.
  • the credit card bill 190 lists the accumulated charge 194 as an item on the user's credit card bill. Since accumulated charges 194 for a cardholder are sent to the acquirer 34 when they reach a certain threshold amount, more than one accumulated charge may be listed on the credit card bill sent to the buyer 20 by the buyer's credit card issuer 32 .
  • the issuer 32 may process a debit to a bank account of the buyer 20 instead of sending a credit card bill. Alternately, the issuer 32 may send the buyer a bill (other than a credit card bill) for the accumulated charges.
  • the back end program 92 sends the accumulated charge 194 to the credit card system 30 , if the credit card system 30 accepts the buyer's credit card number, the back end program 92 sends indication of this acceptance, by batch processing, to the front end program 90 .
  • the front end program 90 sends a payin-notification message 212 to the buyer 20 via the Internet, as shown in FIG. 10 . As shown in FIG.
  • the payin-notification message 212 contains the cardnumber 102 , the pay-in amount 134 in the currency 112 associated with the buyer's account, the notification-identifier 144 associated with the pay-in method 108 , a list of accumulated transactions 146 , and, optionally, a service charge 148 .
  • the back end program 92 treats the payment as made by the buyer.
  • the back end program 92 calculates fees associated with the transaction. For example, the back end program will subtract the charge applied by the credit card system 30 from the amount paid by the buyer.
  • the back end program 92 will also subtract a service charge for the payment system 10 .
  • the back end program 92 will then calculate a net settlement to the seller for the transaction. The net settlement will be posted to the settlement queue 168 for the seller 28 located on the back end computer 52 .
  • the back end program 92 periodically checks the settlement queue 168 to see if payments have accumulated for the seller 28 . Regularly, the back end program 92 will batch the accumulated payment transactions into a single off-Internet transaction, using the pay-out method 110 S associated with the seller's account 100 S.
  • transactions that have accumulated for a seller may be retained for a period of time before the single off-Internet payment transaction to the seller is made. This period of time may vary depending on the payment history of the seller. For example, a payment that is received from the credit card system 30 may be held for a period of 60 days before it is combined with other accumulated transactions and paid to the seller by means of the seller's indicated off-Internet payment method.
  • the back end program 92 transmits information 197 to the settlement system 30 to make a direct deposit 198 to the seller's checking account 199 . If the acquirer component 34 is a commercial bank, the back end component 92 may use the acquirer 34 to transmit the direct deposit information from the acquirer-bank to the seller's bank for direct deposit to the seller's checking account 199 .
  • the back end program 92 In addition to sending the information to the settlement system 30 to effect payment to the seller, e.g. by making a direct deposit to the seller's checking account, the back end program 92 also sends information, by batch processing, to the front end program 90 that an accumulated payment to the seller has been initiated. The front end program 90 then sends a message via the Internet informing a seller 28 that payment has been made to the seller's account. The front end program 90 sends a payout-notification message 214 to the e-mail address 104 S associated with the seller's cardholder account. As shown in FIG.
  • the payout-notification message 214 contains the cardnumber 102 S, the pay-out amount 150 in the currency 112 associated with the cardholder's account, the notification-identifier 152 associated with the pay-out method 110 the list of accumulated transactions 146 , and, optionally, a service charge 149 .
  • a chargeback transaction occurs when a funds transfer associated with a previous payin-notification message results in a chargeback. Typically, this occurs when a buyer 20 , whose pay-in method 108 B is a credit card, disputes a charge on his credit card statement.
  • FIG. 11 shows the message flow for a chargeback transaction having the following steps:
  • the front end program 90 sends a payin-chargeback-notification message 220 to the buyer 20 over the Internet.
  • the payin-chargeback-notification message 220 contains the notification-identifier 144 associated with the pay-in method 108 , and, the pay-in amount 134 in the currency 112 associated with the buyer's account 100 .
  • the front end program 90 also sends a payout-chargeback-notification message 222 to the seller 28 over the Internet.
  • the payout-chargeback-notification message 222 contains the server's transaction-identifier 138 , the amount 134 , and the currency 112 charged back to the buyer 20 .
  • FIG. 12 shows the message flow for a payment system capability transaction having the following steps:
  • a user 14 uses the Internet 12 to send a capabilities-request message 224 to the payment system 90 .
  • the capabilities-request message 224 has no specific attributes, i.e. it contains no specific information fields, it may be only a query.
  • the payment system 90 sends a capabilities-result message 226 to the user 14 .
  • the capabilities-result message 226 contains a list of supported transaction types and parameters 156 , a list of supported currencies 158 , and a list of supported languages 159 .
  • FIG. 13 shows the steps for the application process for a cardholder application.
  • the user 14 sends an application-request message 227 over the Internet 12 to the payment system 90 .
  • This request may be sent by either electronic mail or using an interactive protocol.
  • the payment system 90 sends an application-result message 228 to the user 14 .
  • the application-result message 228 is essentially a blank form into which the user enters information for the following: the applicant's name, address, phone number, Internet e-mail address 104 , and the currency preference 112 , language, and preferred account identifier ID.
  • the user 14 fills in parameters from the application-result message 228 , and sends a newacct-request message 230 to the payment system 10 .
  • the payment system 10 sends the user 14 a newacct-result message 232 .
  • the newacct-result message 232 contains the status 106 of the application, and if the application is approved, the cardnumber 102 assigned to the user 14 .
  • credit card numbers or other sensitive information relating to financial transaction are not sent over the Internet.
  • the user who wishes to open a cardholder account sends only part of the required cardholder information over the Internet in the newacct-request message.
  • the user 14 provides his credit card information, checking account information, or other financial information to the payment system 10 through non-Internet channels.
  • This credit card information, checking account information, or other financial information is maintained on the back end computer 52 of the payment system 10 in the secure data file 114 .
  • the user 14 calls a telephone number 280 . This may be an 800 number in the U.S. or a toll number for foreign calls.
  • the user 14 is prompted to enter his the credit card information 282 by touch tone entry.
  • the user's credit card information is not transmitted over the Internet at any time thereby contributing to the security of the system.
  • a new model for Internet commerce in which an information seller 28 carries the risk of non-payment.
  • the embodiment of the present invention avoids the necessity of guarantees of credit worthiness for sellers. This allows every participating Internet user to be both a buyer and a seller of information on the Internet.
  • various aspects of the model e.g., buyer confirmation, limitations on buyers' refusals to pay, etc. minimize a seller's risk to the point where it is offset by the expanded commerce base created.
  • Buyers of information products often cannot make a purchase decision unless the product in hand. Given that there is virtually no cost for manufacturing and distribution, unwanted information products need not be “returned”; it is less costly merely to delete the unwanted information product. Buyers of information products pay only for the information that they can use, thereby avoiding the frustration of returning unwanted goods and asking for a refund as they would in a conventional marketplace
  • Cardnumbers are bi-directional, i.e., a cardholder may engage in commerce as either a buyer or a seller.
  • the terms “seller” and “buyer” are merely role-descriptors with respect to a given transaction, e.g., the cardnumber acting as a buyer in one transaction might be used in the merchant role for another transaction.
  • the term seller and buyer are generic in that they refer only to the direction of the funds transfer for a transaction. Hence, if a cardholder makes a charitable contribution to a non-profit organization, the cardholder is still referred to as the buyer and to the non-profit as the seller even though no actual “sale” is occurring.
  • Another advantage of the payment system is that it enables anyone with an information product to sell to have an available market. There is no age limit on information sellers.
  • the payment system described above is particularly advantageous for use on networks that do not have a centralized management authority, such as the Internet.
  • Other such systems include FIDOnet and UUCP/Usenet, although it is recognized that these systems are considered by some to part of or associated with the Internet.
  • the payment system described above could also be used on future versions, generations, etc., of the Internet.
  • the payment system could also be used on centrally managed computer systems, such as America Online, Prodigy, etc.
  • Another aspect of the payment system described above is that it enables users to buy and sell information products over a quasi-public network, such as the Internet, regardless of where the users are located or where the payment system is located.
  • a quasi-public network such as the Internet
  • the buyer or the seller may be located in the U.S. or outside the U.S.
  • some or all of the payment system components such as the front end computer or the back end computer, may be located either in the U.S. or outside the U.S.

Abstract

A payment system and method are disclosed for processing financial exchanges over a network between a merchant and a buyer. For example, receiving from a merchant, over the network, information associated with a financial transaction and non-financial data relating to a buyer involved in the financial transaction. Authorizing payment, associated with the financial transaction, to the merchant on behalf of the buyer using the non-financial data related to the buyer. A notification of the authorized payment on behalf of the buyer is sent to the merchant over the network. Upon notification from the merchant that the buyer has committed to completing the financial transaction, processing payment to the merchant on behalf of the buyer.

Description

    RELATED APPLICATIONS
  • This application is a continuation of Reissue Application No. 10/461,604, filed Jun. 12, 2003, which is a Reissue of U.S. Pat. No. 6,246,996, issued Jun. 12, 2001, which is a continuation of U.S. Pat. No. 5,826,241, issued on Oct. 20, 1998, all of which are incorporated herein by reference in their entirety.
  • BACKGROUND OF THE INVENTION
  • The present invention relates to a system for enabling payment for information products that can be transferred electronically over a nonsecure network, and more particularly, the present invention relates to a payment system that can be used to enable an Internet user to make a payment to another Internet user for information products of value that can be electronically transferred over the Internet.
  • The Internet has emerged as a large community of electronically-connected users located around the world who readily and regularly exchange significant amounts of information. The Internet continues to serve its original purposes of providing for access and exchange of information among government agencies, laboratories, and universities for research and education. In addition, the Internet has evolved to serve a variety of interests and forums that extend beyond its original goals.
  • The Internet has been considered as a potential new marketplace for information products. It is now physically possible to transfer information products such as articles, software, cartoons, etc., via the Internet.
  • Using the Internet as a marketplace has several advantages. Information products can be delivered electronically without physical packaging. Because information is easily duplicated with the point and click of a mouse on a user's workstation, the cost of manufacturing and reproducing inventory closely approaches zero, leaving the cost of creating or synthesizing the information as the dominant cost. Once an information product has been developed, there may be little or no cost of manufacturing or inventory since a copy of the product can be shipped whenever a buyer makes a purchase given that the merchant has the bandwidth available. Given that the cost of inventory on the Internet is close to zero, there are potentially tens of thousands of information sellers, i.e. people with ideas or information products to sell, on the Internet. Another advantage of using the Internet as a marketplace is that, depending on the kind of information product involved, processing of a buyer's order can be automated, so there is no need for a worker to manually intervene to complete a transaction.
  • Although the Internet presently has the capability to serve as a marketplace for new information products, use of the Internet for this purpose has been slow to develop. One reason that accounts for this lack of development is that it is difficult to pay for information products using the Internet. A user cannot send cash or a check via the Internet and sending a check via physical delivery services is slow. Sending a credit card number over the Internet poses security problems. Moreover, even if it were reasonably safe to send credit card numbers, there are a lot of potential sellers of information products who do not have—and could not qualify for—the required merchant accounts. Credit card companies require a seller who accepts credit card for payment, to have a merchant account. Conventional merchant accounts require a relatively high standard of credit worthiness and a financial guarantee. The need for a conventional merchant account impedes commerce in the Internet marketplace because an average Internet user may have a difficult time qualifying for a merchant account.
  • Accordingly, there is a need for a system that solves the payment problem on the Internet to enable development of a commercial market.
  • SUMMARY OF THE INVENTION
  • According to a first embodiment of the present invention, there is provided a method and payment system for enabling a first Internet user to make a payment to a second Internet user, typically for the purchase of an information product deliverable over the Internet. The payment system provides cardholder accounts for the first and second Internet users. When the second user sends the information product to the first user over the Internet, the second user also makes a request over the Internet to a front end portion of the payment system requesting payment from the first user. The front end portion of the payment system queries the first user over the Internet whether to proceed with payment to the second user. If the first user replies affirmatively, a charge to the first user is processed off the Internet; however if the first user replies negatively, the first user is not charged for the information product. The payment system informs the second user regarding whether the first user's decision and pays the second user upon collection of the charge from the first user. Security is maintained by isolating financial and credit information of users' cardholder accounts from the front end portion of the payment system and by isolating the account identifying information from the associated e-mail address.
  • BRIEF DESCRIPTION OF THE DRAWINGS
  • These and other features, aspects, and advantages of the present invention will become better understood with regard to the following description, appended claims, and accompanying drawings where:
  • FIG. 1 is a block diagram illustrating the relationship between a payment system of a first embodiment of the present invention to a large network.
  • FIG. 2 is a block diagram of a hardware configuration for the payment system of FIG. 1.
  • FIG. 3 is a block diagram of the program arrangement of the payment system of FIG. 1;
  • FIG. 4 is a diagram of data for a cardholder account for use with the payment system of FIG. 1;
  • FIG. 5 is a flow chart showing message flow for the initial steps of a funds transaction using the payment system of FIG. 1;
  • FIGS. 6A-6Q are diagrams of data messages used in connection with the payment system of FIG. 1;
  • FIG. 7 is a flow chart showing the message flow for a cardholder inquiry request using the payment system of FIG. 1;
  • FIG. 8 is a flow chart showing the message flow for a transfer query request and reply using the payment system of FIG. 1;
  • FIG. 9 is a flow chart showing the message flow for payment failure using the payment system of FIG. 1;
  • FIG. 10 is a flow chart showing the message flow for payment notification using the payment system of FIG. 1;
  • FIG. 11 is a flow chart showing message flow for a chargeback process using the payment system of FIG. 1;
  • FIG. 12 is a flow chart showing message flow for a capabilities request process using the payment system of FIG. 1; and
  • FIG. 13 is a message flow diagram showing messages for a new account transaction between a user and the payment system of FIG. 1.
  • DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS I. Overall System
  • FIG. 1 shows a block diagram of a first embodiment of the present invention for a payment system 10. The payment system 10 is shown in relation to the Internet network 12. The Internet network 12 is a large, quasi-public network having many users 14. The Internet network 12 is of a type that the users 14 can access by various means such as conventional commercial telephone systems. The network 12 provides numerous services for its users such as e-mail or World Wide Web (WWW). Although the payment system 10 is specifically useful for the Internet, it may be used in conjunction with other e-mail based systems having a plurality of users.
  • In the embodiment of FIG. 1, one of the users 14 (designated as an information buyer 20) wishes to acquire an information product 26 from another of the users (designated as an information seller 28). The information seller 28 may be any user with an information product to vend. The information product 26 can be any item that is transferable over the Internet network 12. The information product 26 may be a message, an article, an original work of authorship, a composition, a writing, music, a pictorial work, a drawing, a cartoon, a story, a software program, a recipe, jokes, and so on. The information seller 28 wishes to sell a copy of the information product 26 to the information buyer 20 at a price. The price may be an advertised price (e.g. advertised over the Internet, on a bulletin board, or other media), or may be a negotiated price (e.g. negotiated via e-mail exchange). Although the example of FIG. 1 shows only one information seller 28 and one information buyer 20, the payment system 10 is understood to extend to include multiple buyers of one seller, multiple sellers to one buyer, and multiple sellers and multiple buyers. Also, a buyer or a seller may be an individual, a company, or an institution.
  • Also shown in FIG. 1 is a financial transaction settlement system 30. The financial transaction settlement system 30 represents presently-available commercial institutions that process credit and other financial transactions. For example, the financial transaction settlement system 30 may represent commercially available credit card processing institutions (e.g. Visa, Master Card, Discover, and so on). The financial transaction settlement system 30 includes two components: an issuer 32 and an acquirer 34. The issuer 32 includes banks, or other institutions, that issue credit cards to persons, sends statements and bills to credit card holders on a regular basis, and collects payment from the credit card holders. These functions are not performed on the Internet but use conventional mail delivery, authorized direct withdrawals from bank accounts, etc. The payment system 10 of the present embodiment utilizes these commercially available issuers 32 to bill users and to collect payment from users for their transactions on the Internet 12 using the payment system 10. For example, a user's transactions using the Internet would show up on the user's credit card statement as a charge from the payment system 10 although individual transactions using the payment system 10 on the Internet 12 may not be specifically listed on the credit card statement. The financial transaction settlement system 30 also includes the acquirer component 34. This acquirer component 34 is a bank or other institution that provides a merchant account to the payment system 10. The merchant account provided to the payment system 10 is similar or identical to the conventional merchant accounts that are provided to other businesses. By means of having the merchant account, the payment system 10 forwards user charges to the acquirer component 34 thereby getting user charges into a conventional, commercially-available settlement system. As mentioned above, the acquirer 34 processes the user charges received from the payment system and passes this information to the issuer component 32 for the preparation and sending of monthly statements and bills to users and collecting payment from users.
  • FIG. 2 is a block diagram illustrating one possible configuration of hardware components used to implement the payment system 10 of FIG. 1. The payment system 10 includes two computers: a front end computer 50 and a back end computer 52. The front end computer 50 and the back end computer 52 are connected together via a private network 53. In a preferred embodiment, the private network is an Ethernet network. The front end computer 50 includes a front end system board 54 associated with a front end memory 56, a storage device 58 such as a fixed disk drive, a back up tape drive 60, a removable media drive 62, a monitor 64, and a power supply 66. The front end computer 50 is connected to the Internet 12 is by means of a leased T1 line 69.
  • The back end computer 52 includes a back end computer system board 68 associated with a back end computer memory 70, a back end computer storage device 72 such as a fixed disk drive, a back up tape drive 74, a removable media drive 76, a monitor 78, and a power supply 80. The back end computer 52 is connected to the front end computer 50 by means of Ethernet cable. The back end computer 52 also has a Novell LAN 81 that provides a communication link to the settlement system 30.
  • Both the front end computer 50 and the back end computer 52 in this embodiment are preferably commercially available Sun Microsystems SS1000 computers. Preferably, both the front end computer 50 and the back end computer 52 are equipped with 64 MB memory. The dedicated private network is an Ethernet and includes a SBus host adaptor. The communication server is a Sun Microsystems SPARCserver 1000. Both the front end monitor 64 and the back end monitor 78 are commercially available Sun 17″ monitors. The front end and back end tape drives are Python SGB tape drives using 4 mm tape available from Sony, Inc. The front end disk drive 58 and the back end disk drive 72 are commercially available Seagate 1.7 GB disk drives. The host adaptor is a Sun Microsystems SBus host adaptor. The network server is a commercially available Sun Microsystems SSarray 101.
  • Referring to FIG. 3, the front end computer 50 runs a front end program 90. The front end program 90 is a software program that provides for communication with users 14 on the Internet network 12. The front end program 90 includes several modules that can be accessed and used by users 14 of the Internet. The modules included on the front end program include modules that permit users 14 to make a funds transfer transaction 91, to check a subscriber's status 92, to enroll as subscribers 93, etc.
  • The back end computer 52 runs a back end program 92. Thus, the front end program 90 is physically separate and isolated from the back end program 92. The back end program 92 receives information from and sends information to the front end program 90 only by means of batch processing. This results in an inherently safe method of communicating between the publicly accessible part of the payment system, i.e. the front end computer 50, and the secure part of the payment system, i.e. the back end computer 52.
  • II. Requirements of a Subscriber
  • In order to use the payment system 10 for transactions, the information buyer 20 and the information seller 28 both need to have subscriber or cardholder accounts with the payment system 10. As subscribers, users of the Internet network 12 may conduct commercial transactions with each other, such as paying for information products 26, making charitable contributions, etc.
  • Referring to FIG. 4, a cardholder account 100 includes at least the following information: a cardnumber 102, an Internet e-mail address 104, a state 106, a pay-in selection 108, a pay-out selection 110, and a currency preference 112. Each of these items is explained below.
  • The cardnumber 102 uniquely identifies the cardholder account 100. The cardnumber 102 is an alphanumeric string that is easily typed and read by a human. Also, the cardnumber 102 is relatively hard to guess and bears no deducible relationship to any financial artifact, such as a credit cardnumber, a checking account number, nor to any e-mail address.
  • The cardholder Internet e-mail address 104 is the e-mail address of the cardholder that is unique for each user of the Internet.
  • The state 106 is one of “active”, “suspended”, or, “invalid”.
  • The pay-in selection 108 is how the cardholder transfers funds, i.e. makes payment, to the payment system 10. Typically, this may be done by using a conventional authorization to charge a credit card. The pay-in selection is not encoded in or directly derivable from the cardnumber.
  • The pay-out selection 110 is how a the payment system 10 transfers funds to, i.e. pays, the cardholder. This may include use of a direct deposit checking account, etc. The pay-out selection 110 is not encoded in or directly derivable from the cardnumber.
  • The currency preference 112 is the national currency used for the pay-in selection 108 and pay-out selection 110 between the payment system 10 and the subscriber.
  • Subscriber account information is distributed in the payment system 10. Referring again to FIG. 3, only a portion of the subscriber account information resides on the front end computer 50 where it is accessible by the front end program 90. However, a full copy of all the cardholder account information resides on the back end computer 52 where it is accessible by the back end program 92. Included on the back end computer 52 is a copy of the portion of the cardholder information on the front end computer 50. Specifically, the part of the subscriber account information that resides on the front end computer 50 is located in a data file 113 stored on the front end computer storage device 58. The subscriber account information that resides on the back end computer 52 is located in a data file 114 stored on the back end computer storage device 72.
  • Specifically with respect to the items of information in a cardholder account, located on the storage device 58 associated with the front end computer 50 is that portion of the subscriber account information 106 that includes the subscriber account number 102, the Internet e-mail address information 104, the state 106, and the currency preference 112. However, the front end computer 50 does not contain any of the pay-in 108 or pay-out 110 information, such as credit card information, etc., associated with any of the subscribers. Credit card or other payment information is located only in the data file 114 on the storage device 72 of back end computer 52
  • To access the front end program 90 over the Internet, users 14 may use a user interface software program 118 that can be run on their own computers for interactive access, or alternatively, users 14 may access the payment system 90 via conventional e-mail programs, for store-and-forward access. Programs 90 and 118 may be written in any suitable programming language, such as Tcl or C. The software modules are capable of being used with the UNIX operating system, DOS, and may be ported to various other operating systems. Listings of code for the front end program 90 and the user interface program 118 are included at appendices A and B, repectively. A publication entitled “The application/green-commerce MIME Content-type” is included at appendix C and includes a format for Internet communication for use between users of the Internet and the payment system 10.
  • III. Methods of Operation of the Payment System
  • As mentioned above, the payment system 10 provides users of the Internet with a variety of services and functions, including making a funds transfer transaction, validating a subscriber's status, and enrolling as a subscriber. Several of these services and functions are described below.
  • A. Funds Transfer Transaction
  • A funds transfer transaction occurs when one Internet user who is a subscriber, i.e. who has a cardholder account on the payment system 10, acting as an information seller 28, requests payment from another cardholder, acting as an information buyer 20. Typically, this may occur when a buyer 20 purchases an information product 26 over the Internet 12. However, this transaction may result for other reasons, e.g. to facilitate charitable contributions, to pay for computer or software customer support, etc.
  • For purposes of the example described below, it is assumed that the buyer 20 already is aware that the seller 28 has an information product 26 to sell and that a price has been established. The buyer 20 may be aware of the seller 28 and his information product via advertising, on the Internet or other media, through others, from a bulletin board, from a product warehouse on the Internet, or any other means. The buyer 20 is aware of a means to contact the seller via the Internet. The buyer 20 may contact the seller 28 by sending a message to the seller's Internet address or by an interactive protocol, World Wide Web (WWW), FTP, etc., so that a message can be sent to the seller 28. The means to contact the seller may be included in advertising, etc.
  • FIG. 5 shows an initial part of the message flow for a funds transfer transaction according to the first embodiment of the present invention. The Internet user who is the buyer 20 sends a message 128 to (or otherwise communicates with by means of interactive protocols, WWW, etc.) the Internet user who is the seller 28 via the Internet 12. The communication 128 sent by the buyer 20 to the seller 28 includes the buyer's cardnumber 102B (“102B”=cardnumber “102”+buyer “B”), as illustrated in FIG. 6A. The buyer's message 128 is the first step in initiating the funds transfer transaction using the payment system 10. Alternatively, the buyer 20 may include the cardnumber 102B as a username in a file transferred from the buyer 20 to the seller 28 using the Internet 12.
  • B. Inquiry Transactions
  • At this stage, the seller 28 may wish to communicate with the payment system 10 to have a cardnumber inquiry transaction performed on the buyer's cardholder number. A cardnumber inquiry transaction occurs when one cardholder wishes to ascertain the state 106 of another cardholder's account. Typically, a cardnumber inquiry transaction occurs when one cardholder, acting as a seller, is deciding whether to send an information product 26 to another cardholder, who represents to be a cardholder and who is interested in acquiring the information product from the seller 28.
  • Referring to FIG. 7, the seller 28 may send an inquiry-request message 216 containing the buyer's cardnumber 102B to the front end program 90 using the Internet 12. As shown in FIG. 6B, the inquiry-request message 216 contains at least the buyer's cardnumber 102B. In response, the front end program 90 sends the seller 28 an inquiry-result message 218. As shown in FIG. 6C, the inquiry-result message 218 contains the buyer's cardnumber 102B and the state 106B associated with the buyer's account. If the buyer's cardholder account state 106B is “active”, presumably the buyer is in good standing and the seller 28 can proceed with the transaction by sending the information product 26 to the buyer 20 via the Internet. If the buyer's cardholder account status 106B is “invalid”, the seller 28 knows that the account is no good and that funds transfer transactions cannot be processed through it. If the buyer's cardholder account status 106B is “suspended”, the seller knows that the buyer 20 has not been responsive to recent transaction attempts. The seller 28 may still decide to send the information product 26 to the buyer 20 and a funds transfer transaction will be processed. No guarantee of payment is made however.
  • Although an information seller 28 may prefer to send an inquiry-request 216 to the payment system 10 prior to sending an information product to the buyer 20, the seller 28 may choose to skip the inquiry-request step. At this stage, the seller 28 sends the information product 26 to the buyer 20 via the Internet.
  • Funds Transfer Transaction (Continued)
  • Referring again to FIG. 5, at approximately the same time that the seller 28 sends the information product to the buyer 20 via the Internet, the seller 28 also sends a transfer-request message 129 to the payment system 10 via the Internet 12. Specifically, the seller 28 sends the transfer-request message 129 to the front end program 90 on the front end computer 50. The transfer-request message 129 may be sent by either e-mail or using an interactive protocol on the Internet 12. Referring to FIG. 6D, the transfer-request message 129 contains the following information: the buyer cardnumber 102B, the seller cardnumber 102S, a transfer type 130 (e.g., sale of information), a textual description 132 of the transaction, a transfer amount 134, the currency 112S (e.g., USD); and optionally, the merchant's transaction-identifier 136.
  • After receiving the transfer-request message 129, the front end program 90 asks the buyer 20 whether the buyer 20 wishes to authorize payment for the transaction 132 to the seller 28. Specifically, the front end program 90 sends a transfer-query message 140 to the buyer 20, as shown in FIG. 8. Using the information contained in the transfer-request message 129 from the seller 28, specifically the buyer's cardnumber 102B and the seller's cardnumber 102S, the front end program 90 looks up the buyer's name 103B and the seller's name 103S. As shown in FIG. 6E, the transfer-query message 140 contains: a transaction-identifier 142 uniquely-generated by the front end program 90, the buyer's name 103B, the seller's name 103S, the transfer type 130, the textual description of the transaction 132, and a transfer amount 135 in the currency preference 112B associated with the buyer's cardholder account (which may represent a currency exchange of the transaction amount 134 into the buyer's currency preference 112B and further which fixes the transfer amount, with respect to currency fluctuations, in the currency used by the buyer). In addition, if currency denomination exchange occurred, the original currency 112S and amount 134 are noted in the message 140. In the transfer-query message 140, the buyer's name 103B and the seller's name 103B are used instead of the buyer's cardnumber 102 and the seller's cardnumber 102S in order to minimize transmission of the cardnumber information over the Internet thereby improving security of the system. After sending the transfer-query message 140, the front end program 90 waits for a response from the buyer 20.
  • The buyer 20 may respond by sending a transfer-response message 150 to the front end computer 50 via the Internet, as shown in FIG. 8. As illustrated in FIG. 6F, the transfer-response message 150 contains the following data: the payment system generated transaction-identifier 142 and an indication 152 of the buyer's willingness to allow transfer of funds. The willingness indication 152 is one of “yes”, “no”, or, “fraud”.
  • In a preferred embodiment, the structure of the transfer-query message 140 facilitates preparation of the transfer-result message 150 by the buyer 20. In the transfer-query message 140, the transaction-identifier 142 is placed in the “subject” of the transfer-query message 140 and the e-mail address to which the buyer's transfer-response message 150 should be sent (e.g. “response@card.com”) is placed in the “sender's address” of the transfer-query message 140. Many conventional e-mail programs in use on the Internet, including many older programs, have a feature that will automatically read the “subject” and “sender's address” of a received message and format a reply message directed to the sender's address with the same “subject” as the received message. If the buyer 20 uses this common feature to send his transfer-response message 150 back to the payment system 10, the only information that the buyer 20 will have to add is the willingness indication 152 which is only a one word reply, (i.e. “yes”, “no”, or, “fraud”).
  • Referring again to FIG. 8, if the buyer 20 indicates “yes” in the willingness indication 152, the front end program 90 then sends a transfer-result message 160 to the seller 28 via the Internet 12. As shown in FIG. 6G, the transfer-result message 160 contains the following information: the transaction-identifier 142, the seller's name 103S, the buyer's name 103B, the transfer type 130, the textual description of the transaction 132, the transfer amount 135 in the currency 112B associated with the buyer's cardholder account, the indication 152 of the buyer's willingness to allow transfer of funds, and the seller's transaction-identifier 136 if present in the originating transfer-request message 129. In addition, if currency denomination exchange occurred, the original currency 112S and amount 134 are noted in the transfer-result message 160. The front end program 90 transfers the transaction information, by batch processing, to the back end program 92 which adds the transaction information to a settlement queue 168. The settlement queue 168 is a data file located on the storage device 72 of the back end computer 52.
  • Referring back to the step shown in FIG. 8 where the buyer 20 sends the transfer-response message 150 back to the payment system 10, if the buyer 20 replies “no” in the willingness indicator 152, the front end program 90 sends a transfer-result 160 to the seller 28 with a “no” indication 152. In addition, a service charge to the buyer 20 may be generated. Information regarding the buyer's “no” reply in the transfer-response 150 is batched from the front end program 90 to the back end program 92 where a service charge may be added to the settlement queue 168 for the buyer 20. Further, if a “no” indication is received more than a certain number of times in a certain number of transactions over a certain time period, then the state 106B of buyer's account 100B will become “suspended”. This is to prevent a user from making a practice of ordering and receiving information products without paying for them. If the buyer's account state 106B becomes suspended, this information is also transmitted by batch processing from the front end program 90 to the back end program 92 so that the cardholder account information on the back end computer 52 conforms to that on the front end computer 50.
  • Referring again back to the step shown in FIG. 8 where the buyer 20 sends the transfer-response message 150 back to the payment system 10, if the buyer 20 indicates “fraud” in the willingness indication 152, the payment system 10 changes the state 106B of the buyer's cardholder account 100B to “invalid”. A response of fraud indicates that the buyer 20 never requested the information product 26. The information that the buyer 20 responded “fraud” to the willingness indication 152 is also transmitted by batch processing from the front end program 90 to the back end program 92 so that the cardholder account information on the back end computer 52 conforms to that on the front end computer 50.
  • Referring back to the step illustrated in FIG. 8 where the front end program 90 sends the transfer-query message 140 to the buyer 20, if a period of time elapses and the front end program 90 does not receive a transfer-response message 150 from the buyer 20, the front end program will send the transfer-query message 140 again, i.e. a second notice. The front end program 90 may send the transfer-query message to the buyer 20 several times until a response from the buyer 20 is obtained. If more than a certain number of days elapses, or more than a certain number of transfer-query messages 140 are outstanding for the buyer 20, and the front end program does not receive a transfer-response message 150 from the buyer 20, then the front end program 90 causes the buyer's cardholder account 100B to become suspended. This is done by changing the buyer's cardholder state 106B from “active” to “suspended”. However, if a transfer-response 150 is received and/or the number of outstanding transfer-query messages 140 for the buyer 20 drops to less than a certain threshold, the buyer's account 100B may be returned to an “active” state. Further, any outstanding transfer-query messages 140 may be sent again some time later.
  • C. Accumulation and Settlement of Transactions 1. Processing Charges to Buyers
  • Processing of the charges and credits between the back end computer 52 and the settlement system 30 is conducted off the Internet using secure communications channels. This isolates the buyer-seller activity which occurs on the Internet from the financial and credit activity which occurs off the Internet.
  • Referring to FIGS. 1 and 3, the back end program 92 regularly checks the accumulated purchase transactions for each cardholder in the settlement queue 168 for age and amount. For example, the back end program 92 checks whether the accumulated purchase transactions for a cardholder are either 30 days old or reach a threshold of at least $10.00. When the accumulated purchase transactions for a cardholder reach either the age or amount threshold, the back end program 92 batches the accumulated transactions into a single funds transfer transaction using the buyer's pay-in selection 108B associated with the buyer's cardholder account 100B. This is typically accomplished by posting a charge 194 to the buyer's credit card account. To post a charge on the buyer's credit card account, the back end program 92 transmits an accumulated charge 194 to the credit card system network 30 via the acquirer component 34 where the payment system 10 maintains a conventional merchant account. The credit card network includes a component 196 that initially checks the validity of the buyer's credit card number, e.g. pay-in selection 108B, to determine whether the credit card is lost, stolen, expired, overlimit, etc.
  • If the credit card network 30 refuses to process the buyer's credit card number, e.g. the credit card is lost, stolen, canceled, expired, etc. collection from the buyer is considered failed. The back end program 92 changes the buyer's cardholder state 106B to “suspended”. The back end program 92 also sends the failure information, by batch processing, to the front end program 90 so that the buyer's cardholder state 106B on the front end computer 50 is also changed to “suspended”.
  • Referring to FIG. 9, the front end program 90 then sends a payin-failure-notification message 210 to the buyer 20 over the Internet. As shown in FIG. 6H, the payin-failure-notification message 210 contains the notification-identifier 144 associated with the pay-in method 108, the transfer amount 134, and the currency 112S.
  • In addition, for each transaction associated with the payin-failure-notification message 210, the front end program 90 also sends a collection-failure-notification message 211 to the seller 28 over the Internet. As shown in FIG. 6I, this collection-failure-notification message 211 contains the server's transaction-identifier 138, and the amount 134 and currency 112 associated with the transaction.
  • Referring back to the step where the back end program 92 transmits the accumulated charge 194 to the credit card network 30, if the credit card network 30 accepts the buyer's card, the acquirer 34 then processes the accumulated charge 194 in the credit card system 30 to post the charge to the buyer's credit card in the usual manner by sending the appropriate information to the buyer's credit card issuer 32. The buyer's credit card issuer 32 sends the buyer 20 a credit card bill 190, typically via the postal system. The credit card bill 190 lists the accumulated charge 194 as an item on the user's credit card bill. Since accumulated charges 194 for a cardholder are sent to the acquirer 34 when they reach a certain threshold amount, more than one accumulated charge may be listed on the credit card bill sent to the buyer 20 by the buyer's credit card issuer 32.
  • The description previously set forth explains how the payment system can process a charge to the user using the conventional, commercially available credit card system. There are variations on and modifications of the previously set forth arrangement that may be utilized. For example, the issuer 32 may process a debit to a bank account of the buyer 20 instead of sending a credit card bill. Alternately, the issuer 32 may send the buyer a bill (other than a credit card bill) for the accumulated charges.
  • Referring back to the step where the back end program 92 sends the accumulated charge 194 to the credit card system 30, if the credit card system 30 accepts the buyer's credit card number, the back end program 92 sends indication of this acceptance, by batch processing, to the front end program 90. The front end program 90 sends a payin-notification message 212 to the buyer 20 via the Internet, as shown in FIG. 10. As shown in FIG. 6J, the payin-notification message 212 contains the cardnumber 102, the pay-in amount 134 in the currency 112 associated with the buyer's account, the notification-identifier 144 associated with the pay-in method 108, a list of accumulated transactions 146, and, optionally, a service charge 148.
  • 2. Processing Payments to Sellers
  • Referring to FIG. 10, if the credit card system 30 accepts the accumulated transaction 194 from the back end program 92, the back end program 92 treats the payment as made by the buyer. The back end program 92 calculates fees associated with the transaction. For example, the back end program will subtract the charge applied by the credit card system 30 from the amount paid by the buyer. The back end program 92 will also subtract a service charge for the payment system 10. The back end program 92 will then calculate a net settlement to the seller for the transaction. The net settlement will be posted to the settlement queue 168 for the seller 28 located on the back end computer 52.
  • The back end program 92 periodically checks the settlement queue 168 to see if payments have accumulated for the seller 28. Regularly, the back end program 92 will batch the accumulated payment transactions into a single off-Internet transaction, using the pay-out method 110S associated with the seller's account 100S. In a preferred embodiment, transactions that have accumulated for a seller may be retained for a period of time before the single off-Internet payment transaction to the seller is made. This period of time may vary depending on the payment history of the seller. For example, a payment that is received from the credit card system 30 may be held for a period of 60 days before it is combined with other accumulated transactions and paid to the seller by means of the seller's indicated off-Internet payment method.
  • One way that a payment may be made to the seller is by direct deposit to a checking account maintained by the seller. The back end program 92 transmits information 197 to the settlement system 30 to make a direct deposit 198 to the seller's checking account 199. If the acquirer component 34 is a commercial bank, the back end component 92 may use the acquirer 34 to transmit the direct deposit information from the acquirer-bank to the seller's bank for direct deposit to the seller's checking account 199.
  • In addition to sending the information to the settlement system 30 to effect payment to the seller, e.g. by making a direct deposit to the seller's checking account, the back end program 92 also sends information, by batch processing, to the front end program 90 that an accumulated payment to the seller has been initiated. The front end program 90 then sends a message via the Internet informing a seller 28 that payment has been made to the seller's account. The front end program 90 sends a payout-notification message 214 to the e-mail address 104S associated with the seller's cardholder account. As shown in FIG. 6K, the payout-notification message 214 contains the cardnumber 102S, the pay-out amount 150 in the currency 112 associated with the cardholder's account, the notification-identifier 152 associated with the pay-out method 110 the list of accumulated transactions 146, and, optionally, a service charge 149.
  • D. Chargeback Transactions
  • A chargeback transaction occurs when a funds transfer associated with a previous payin-notification message results in a chargeback. Typically, this occurs when a buyer 20, whose pay-in method 108B is a credit card, disputes a charge on his credit card statement. FIG. 11 shows the message flow for a chargeback transaction having the following steps:
  • The front end program 90 sends a payin-chargeback-notification message 220 to the buyer 20 over the Internet. As shown in FIG. 6L, the payin-chargeback-notification message 220 contains the notification-identifier 144 associated with the pay-in method 108, and, the pay-in amount 134 in the currency 112 associated with the buyer's account 100.
  • Also as shown in FIG. 11, for each accumulated transaction associated with this chargeback, the front end program 90 also sends a payout-chargeback-notification message 222 to the seller 28 over the Internet. As shown in FIG. 6M, the payout-chargeback-notification message 222 contains the server's transaction-identifier 138, the amount 134, and the currency 112 charged back to the buyer 20.
  • E. Payment System Capability Transaction
  • A payment system capability transaction occurs when a user wishes to ascertain the capabilities of a payment system 10. FIG. 12 shows the message flow for a payment system capability transaction having the following steps:
  • A user 14 uses the Internet 12 to send a capabilities-request message 224 to the payment system 90. As shown in FIG. 6N, the capabilities-request message 224 has no specific attributes, i.e. it contains no specific information fields, it may be only a query. The payment system 90 sends a capabilities-result message 226 to the user 14. As shown in FIG. 60, the capabilities-result message 226 contains a list of supported transaction types and parameters 156, a list of supported currencies 158, and a list of supported languages 159.
  • F. Cardholder Application
  • A cardholder application transaction occurs when an Internet user 14 wishes to establish a cardholder account 100. FIG. 13 shows the steps for the application process for a cardholder application.
  • The user 14 sends an application-request message 227 over the Internet 12 to the payment system 90. This request may be sent by either electronic mail or using an interactive protocol. The payment system 90 sends an application-result message 228 to the user 14. As shown in FIG. 6P, the application-result message 228 is essentially a blank form into which the user enters information for the following: the applicant's name, address, phone number, Internet e-mail address 104, and the currency preference 112, language, and preferred account identifier ID.
  • The user 14 fills in parameters from the application-result message 228, and sends a newacct-request message 230 to the payment system 10. The payment system 10 sends the user 14 a newacct-result message 232. As shown in FIG. 6Q, the newacct-result message 232 contains the status 106 of the application, and if the application is approved, the cardnumber 102 assigned to the user 14.
  • It is noted that credit card numbers or other sensitive information relating to financial transaction are not sent over the Internet. The user who wishes to open a cardholder account sends only part of the required cardholder information over the Internet in the newacct-request message. In order to complete the cardholder application process, the user 14 provides his credit card information, checking account information, or other financial information to the payment system 10 through non-Internet channels. This credit card information, checking account information, or other financial information is maintained on the back end computer 52 of the payment system 10 in the secure data file 114. The user 14 calls a telephone number 280. This may be an 800 number in the U.S. or a toll number for foreign calls. The user 14 is prompted to enter his the credit card information 282 by touch tone entry. Thus, the user's credit card information is not transmitted over the Internet at any time thereby contributing to the security of the system.
  • IV. Advantages of the Payment System
  • In the embodiment of the invention described above, there is provided a new model for Internet commerce in which an information seller 28 carries the risk of non-payment. By shifting the risk of non-payment, the embodiment of the present invention avoids the necessity of guarantees of credit worthiness for sellers. This allows every participating Internet user to be both a buyer and a seller of information on the Internet. However, it is noted that various aspects of the model (e.g., buyer confirmation, limitations on buyers' refusals to pay, etc.) minimize a seller's risk to the point where it is offset by the expanded commerce base created.
  • Buyers of information products often cannot make a purchase decision unless the product in hand. Given that there is virtually no cost for manufacturing and distribution, unwanted information products need not be “returned”; it is less costly merely to delete the unwanted information product. Buyers of information products pay only for the information that they can use, thereby avoiding the frustration of returning unwanted goods and asking for a refund as they would in a conventional marketplace
  • Cardnumbers are bi-directional, i.e., a cardholder may engage in commerce as either a buyer or a seller. Hence, the terms “seller” and “buyer” are merely role-descriptors with respect to a given transaction, e.g., the cardnumber acting as a buyer in one transaction might be used in the merchant role for another transaction. Further, the term seller and buyer are generic in that they refer only to the direction of the funds transfer for a transaction. Hence, if a cardholder makes a charitable contribution to a non-profit organization, the cardholder is still referred to as the buyer and to the non-profit as the seller even though no actual “sale” is occurring.
  • Another advantage of the payment system is that it enables anyone with an information product to sell to have an available market. There is no age limit on information sellers.
  • The payment system described above is particularly advantageous for use on networks that do not have a centralized management authority, such as the Internet. Other such systems include FIDOnet and UUCP/Usenet, although it is recognized that these systems are considered by some to part of or associated with the Internet. The payment system described above could also be used on future versions, generations, etc., of the Internet. The payment system could also be used on centrally managed computer systems, such as America Online, Prodigy, etc.
  • Another aspect of the payment system described above is that it enables users to buy and sell information products over a quasi-public network, such as the Internet, regardless of where the users are located or where the payment system is located. Either the buyer or the seller may be located in the U.S. or outside the U.S. Also, some or all of the payment system components, such as the front end computer or the back end computer, may be located either in the U.S. or outside the U.S.
  • The foregoing detailed description should be regarded as illustrative rather than limiting and the appended claims including all equivalents are intended to define the scope of the invention.

Claims (21)

1. A method for completing a financial transaction over a network, the method comprising:
receiving a request from a user over the network to complete a financial transaction;
requesting non-financial user information to be used to complete the financial transaction;
receiving the non-financial user information over the network;
sending the non-financial user information and information related to the financial transaction to a third-party system;
approving the financial transaction based on receiving authorization from the third-party system; and
receiving payment from the third-party system on behalf of the user in relation to the financial transaction.
2. The method of claim 1, wherein the financial transaction involves the purchase of a good or service from a seller.
3. The method of claim 1, wherein the receiving of the non-financial user information includes receiving approval from the user for the third-party system to complete the financial transaction on behalf of the user.
4. The method of claim 3, wherein the approval from the user for the third-party system to complete the financial transaction includes approval from the user to have the third-party system send a bill to the user for the financial transaction.
5. The method of claim 4, wherein the sending of the bill to the user is accomplished via conventional mail delivery.
6. The method of claim 1, wherein the receiving of the payment from the third-party system is accomplished without using the network.
7. The method of claim 1, wherein the network is the Internet.
8. A method of processing a financial exchange over a network, the method comprising:
receiving from a merchant, over the network, information associated with a financial transaction and non-financial data relating to a buyer involved in the financial transaction with the merchant;
using the non-financial data relating to the buyer to authorize payment to the merchant on behalf of the buyer in relation to the financial transaction;
sending to the merchant, over the network, a notification of the authorized payment on behalf of the buyer; and
processing payment to the merchant on behalf of the buyer upon notification from the merchant that the buyer committed to completing the financial transaction.
9. The method of claim 8, wherein the processing of the payment to the merchant includes receiving approval from the buyer regarding the financial transaction with the merchant.
10. The method of claim 8, wherein the processing or the payment to the merchant is accomplished without using the network.
11. The method of claim 8, wherein the processing of the payment to the merchant includes sending a bill to the buyer.
12. The method of claim 11, wherein the sending of the bill to the buyer is accomplished without using the network.
13. The method of claim 8, wherein the processing of the payment to the merchant includes charging a service fee.
14. A system for completing a financial transaction over a network, the system comprising:
a payment processing system to process payments related to financial transactions conducted over the network using a user-identifying piece of non-financial data provided in association with the financial transaction; and
a network-based transaction system, connected to the network and the payment processing system, including:
a front-end communications module to send and receive communications with a user over the network; and
a back-end communications module to send and receive communications with the payment processing system;
wherein:
the front-end communications module is to receive a request from the user to process a financial transaction, the request including the user-identifying piece of non-financial data associated with the request,
the back-end communications module is to send the user-identifying piece of non-financial data and information related to the financial transaction to the payment processing system, and
the payment processing system is to process a payment on behalf of the user.
15. The system of claim 14, wherein the financial transaction involves a purchase of a good or service from the network-based transaction system.
16. The system of claim 14, wherein the front-end communications module is further to receive an approval from the user for the payment processing system to complete the financial transaction on behalf of the user.
17. The system of claim 16, wherein the approval from the user for the payment processing system to complete the financial transaction includes approval from the user to have the payment processing system send a bill to the user for the financial transaction.
18. The system of claim 17, wherein the payment processing system is to send the user a bill without using the network.
19. The system of claim 14, wherein the network-based transaction system is to receive payment from the payment processing system without using the network.
20. The system of claim 14, wherein the network is the Internet.
21. The system of claim 20, wherein the network-based system is connected to the payment processing system over the Internet.
US12/758,711 1994-09-16 2010-04-12 Computerized system for facilitating transactions between parties on the internet using e-mail Abandoned US20110137751A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US12/758,711 US20110137751A1 (en) 1994-09-16 2010-04-12 Computerized system for facilitating transactions between parties on the internet using e-mail

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US08/308,101 US5826241A (en) 1994-09-16 1994-09-16 Computerized system for making payments and authenticating transactions over the internet
US09/074,354 US6246996B1 (en) 1994-09-16 1998-05-07 Computerized system for facilitating transactions between parties on the internet using e-mail
US46160403A 2003-06-12 2003-06-12
US12/758,711 US20110137751A1 (en) 1994-09-16 2010-04-12 Computerized system for facilitating transactions between parties on the internet using e-mail

Related Parent Applications (1)

Application Number Title Priority Date Filing Date
US46160403A Continuation 1994-09-16 2003-06-12

Publications (1)

Publication Number Publication Date
US20110137751A1 true US20110137751A1 (en) 2011-06-09

Family

ID=23192549

Family Applications (3)

Application Number Title Priority Date Filing Date
US08/308,101 Expired - Lifetime US5826241A (en) 1994-09-16 1994-09-16 Computerized system for making payments and authenticating transactions over the internet
US09/074,354 Expired - Lifetime US6246996B1 (en) 1994-09-16 1998-05-07 Computerized system for facilitating transactions between parties on the internet using e-mail
US12/758,711 Abandoned US20110137751A1 (en) 1994-09-16 2010-04-12 Computerized system for facilitating transactions between parties on the internet using e-mail

Family Applications Before (2)

Application Number Title Priority Date Filing Date
US08/308,101 Expired - Lifetime US5826241A (en) 1994-09-16 1994-09-16 Computerized system for making payments and authenticating transactions over the internet
US09/074,354 Expired - Lifetime US6246996B1 (en) 1994-09-16 1998-05-07 Computerized system for facilitating transactions between parties on the internet using e-mail

Country Status (7)

Country Link
US (3) US5826241A (en)
EP (2) EP0791202B1 (en)
JP (1) JPH10508708A (en)
AT (1) ATE326043T1 (en)
DE (1) DE69534982T2 (en)
NZ (1) NZ293783A (en)
WO (1) WO1996008783A1 (en)

Cited By (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090204523A1 (en) * 2000-03-17 2009-08-13 Jason May Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US20110119154A1 (en) * 2009-11-13 2011-05-19 Omnione Usa, Inc. System and method for certifying information relating to transactions between a seller and a purchaser
WO2016085827A1 (en) * 2014-11-24 2016-06-02 Paypal, Inc. Distress identifier to cause an action
US9842113B1 (en) 2013-08-27 2017-12-12 Google Inc. Context-based file selection
US9870554B1 (en) 2012-10-23 2018-01-16 Google Inc. Managing documents based on a user's calendar
US9967277B2 (en) 2014-11-24 2018-05-08 Paypal, Inc Digital dye packs
US9973462B1 (en) 2013-10-21 2018-05-15 Google Llc Methods for generating message notifications
US20210174361A1 (en) * 2017-08-02 2021-06-10 Wepay, Inc. Systems and methods for instant merchant activation for secured in-person payments at point of sale

Families Citing this family (855)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5715314A (en) 1994-10-24 1998-02-03 Open Market, Inc. Network sales system
US5696965A (en) * 1994-11-03 1997-12-09 Intel Corporation Electronic information appraisal agent
US20040128249A1 (en) 1994-11-28 2004-07-01 Indivos Corporation, A Delaware Corporation System and method for tokenless biometric electronic scrip
US6269348B1 (en) * 1994-11-28 2001-07-31 Veristar Corporation Tokenless biometric electronic debit and credit transactions
US7613659B1 (en) 1994-11-28 2009-11-03 Yt Acquisition Corporation System and method for processing tokenless biometric electronic transmissions using an electronic rule module clearinghouse
US6950810B2 (en) 1994-11-28 2005-09-27 Indivos Corporation Tokenless biometric electronic financial transactions via a third party identicator
US6397198B1 (en) * 1994-11-28 2002-05-28 Indivos Corporation Tokenless biometric electronic transactions using an audio signature to identify the transaction processor
US7882032B1 (en) 1994-11-28 2011-02-01 Open Invention Network, Llc System and method for tokenless biometric authorization of electronic communications
US5732400A (en) * 1995-01-04 1998-03-24 Citibank N.A. System and method for a risk-based purchase of goods
US6321208B1 (en) 1995-04-19 2001-11-20 Brightstreet.Com, Inc. Method and system for electronic distribution of product redemption coupons
CA2173304C (en) * 1995-04-21 2003-04-29 Anthony J. Dezonno Method and system for establishing voice communications using a computer network
US7702540B1 (en) * 1995-04-26 2010-04-20 Ebay Inc. Computer-implement method and system for conducting auctions on the internet
US7937312B1 (en) 1995-04-26 2011-05-03 Ebay Inc. Facilitating electronic commerce transactions through binding offers
US7272639B1 (en) 1995-06-07 2007-09-18 Soverain Software Llc Internet server access control and monitoring systems
US5692132A (en) * 1995-06-07 1997-11-25 Mastercard International, Inc. System and method for conducting cashless transactions on a computer network
US5866889A (en) 1995-06-07 1999-02-02 Citibank, N.A. Integrated full service consumer banking system and system and method for opening an account
US5790677A (en) * 1995-06-29 1998-08-04 Microsoft Corporation System and method for secure electronic commerce transactions
US5794221A (en) * 1995-07-07 1998-08-11 Egendorf; Andrew Internet billing method
US5774670A (en) * 1995-10-06 1998-06-30 Netscape Communications Corporation Persistent client state in a hypertext transfer protocol based client-server system
US5953504A (en) * 1995-10-10 1999-09-14 Suntek Software Corporation Public accessible terminal capable of opening an account for allowing access to the internet and E-mail by generating ID code and security code for users
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
US5757917A (en) 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
FI102860B1 (en) * 1995-11-07 1999-02-26 Nokia Telecommunications Oy Method and system for executing an electronic payment transaction
US7930340B2 (en) 1995-11-13 2011-04-19 Lakshmi Arunachalam Network transaction portal to control multi-service provider transactions
US8037158B2 (en) 1995-11-13 2011-10-11 Lakshmi Arunachalam Multimedia transactional services
US8271339B2 (en) 1995-11-13 2012-09-18 Lakshmi Arunachalam Method and apparatus for enabling real-time bi-directional transactions on a network
TW345642B (en) * 1995-11-21 1998-11-21 Oxford Media Pty Ltd Computer network value payment system
US5778367A (en) 1995-12-14 1998-07-07 Network Engineering Software, Inc. Automated on-line information service and directory, particularly for the world wide web
US6138107A (en) * 1996-01-04 2000-10-24 Netscape Communications Corporation Method and apparatus for providing electronic accounts over a public network
US20050033659A1 (en) * 1996-01-17 2005-02-10 Privacy Infrastructure, Inc. Third party privacy system
JPH09212549A (en) * 1996-01-31 1997-08-15 Hitachi Ltd Method and system for electronic commerce
US6453296B1 (en) * 1996-01-31 2002-09-17 Canon Kabushiki Kaisha Electronic credit system and communication apparatus
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
US7487123B1 (en) * 1996-03-25 2009-02-03 Cfph, Llc Computer-implemented securities trading system with virtual currency and virtual specialist
US20050267836A1 (en) * 1996-03-25 2005-12-01 Cfph, Llc Method and system for transacting with a trading application
US10586282B2 (en) 1996-03-25 2020-03-10 Cfph, Llc System and method for trading based on tournament-style events
US6505174B1 (en) 1996-03-25 2003-01-07 Hsx, Inc. Computer-implemented securities trading system with a virtual specialist function
US6243691B1 (en) * 1996-03-29 2001-06-05 Onsale, Inc. Method and system for processing and transmitting electronic auction information
US6945457B1 (en) 1996-05-10 2005-09-20 Transaction Holdings Ltd. L.L.C. Automated transaction machine
US7747507B2 (en) 1996-05-23 2010-06-29 Ticketmaster L.L.C. Computer controlled auction system
JPH09330470A (en) * 1996-06-07 1997-12-22 Kiyousera Multi Media Corp:Kk Physical distribution method utilizing communication network and its system
US6999938B1 (en) 1996-06-10 2006-02-14 Libman Richard M Automated reply generation direct marketing system
US7774230B2 (en) 1996-06-10 2010-08-10 Phoenix Licensing, Llc System, method, and computer program product for selecting and presenting financial products and services
US5897621A (en) 1996-06-14 1999-04-27 Cybercash, Inc. System and method for multi-currency transactions
WO1997049055A1 (en) * 1996-06-17 1997-12-24 Verifone, Inc. A system, method and article of manufacture for a virtual point of sale processing utilizing a multichannel, extensible, flexible architecture
AU6615096A (en) * 1996-07-12 1998-02-09 Ulrich Seng Process for paying without cash services that can be requested from a distributed, non-connection oriented data network
GB2316264B (en) * 1996-08-03 2000-07-12 Ibm System and method for controlling data access in a computer network
US7096003B2 (en) * 1996-08-08 2006-08-22 Raymond Anthony Joao Transaction security apparatus
US20040185830A1 (en) * 1996-08-08 2004-09-23 Joao Raymond Anthony Apparatus and method for providing account security
US20040243478A1 (en) 1996-09-04 2004-12-02 Walker Jay S. Purchasing, redemption, and settlement systems and methods wherein a buyer takes possession at a retailer of a product purchased using a communication network
US6249772B1 (en) * 1997-07-08 2001-06-19 Walker Digital, Llc Systems and methods wherein a buyer purchases a product at a first price and acquires the product from a merchant that offers the product for sale at a second price
US5930767A (en) * 1997-05-28 1999-07-27 Motorola, Inc. Transaction methods systems and devices
US6968319B1 (en) 1996-10-18 2005-11-22 Microsoft Corporation Electronic bill presentment and payment system with bill dispute capabilities
US6070150A (en) * 1996-10-18 2000-05-30 Microsoft Corporation Electronic bill presentment and payment system
US6058381A (en) * 1996-10-30 2000-05-02 Nelson; Theodor Holm Many-to-many payments system for network content materials
GB9624127D0 (en) * 1996-11-20 1997-01-08 British Telecomm Transaction system
US6539361B1 (en) * 1996-11-27 2003-03-25 Die{grave over (b)}old, Incorporated Automated banking machine system using plural communication formats
US7062464B1 (en) * 1996-11-27 2006-06-13 Diebold Incorporated Automated banking machine and system
US6289320B1 (en) * 1998-07-07 2001-09-11 Diebold, Incorporated Automated banking machine apparatus and system
US6470326B1 (en) * 1996-11-27 2002-10-22 Diebold Incorporated Automated banking machine apparatus and system
US6970845B1 (en) * 1996-11-27 2005-11-29 Diebold, Incorporated Automated banking machine apparatus and system
DE69603971T2 (en) * 1996-12-13 2000-03-30 Ericsson Telefon Ab L M Method and system for carrying out monetary transactions
US5966126A (en) 1996-12-23 1999-10-12 Szabo; Andrew J. Graphic user interface for database system
US6460020B1 (en) * 1996-12-30 2002-10-01 De Technologies, Inc. Universal shopping center for international operation
US5913212A (en) * 1997-06-13 1999-06-15 Tele-Publishing, Inc. Personal journal
AU8637198A (en) * 1997-08-05 1999-03-01 British Telecommunications Public Limited Company Providing a transaction record
US7263527B1 (en) * 1997-08-11 2007-08-28 International Business Machines Corporation Grouping selected transactions in account ledger
US7472073B1 (en) * 2000-08-15 2008-12-30 Masi Larry A Non-cash transaction incentive and commission distribution system
US8412629B2 (en) 1997-08-15 2013-04-02 Larry A. Masi Non-cash transaction incentive and commission distribution system
US8001048B2 (en) * 1997-08-15 2011-08-16 Masi Larry A Non-cash transaction incentive and commission distribution system
JPH1174883A (en) * 1997-08-19 1999-03-16 Internatl Business Mach Corp <Ibm> System management equipment and its method
US5903878A (en) * 1997-08-20 1999-05-11 Talati; Kirit K. Method and apparatus for electronic commerce
EP1010149A1 (en) * 1997-08-26 2000-06-21 The Chase Manhattan Bank Apparatus and method for automated processing of product purchases and purchase transaction validations
US20040167823A1 (en) * 1997-09-08 2004-08-26 Neely Robert Alan Automated electronic payment system
US6128603A (en) 1997-09-09 2000-10-03 Dent; Warren T. Consumer-based system and method for managing and paying electronic billing statements
US5960411A (en) 1997-09-12 1999-09-28 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US7222087B1 (en) 1997-09-12 2007-05-22 Amazon.Com, Inc. Method and system for placing a purchase order via a communications network
US6226624B1 (en) 1997-10-24 2001-05-01 Craig J. Watson System and method for pre-authorization of individual account remote transactions
EP1030274A4 (en) * 1997-11-04 2005-11-23 Sun Thousand Ltd Circulation management system
KR100246608B1 (en) * 1997-11-13 2000-03-15 이계철 A vicarious certificating and charging method in web infoshop service system
JP3145667B2 (en) * 1997-11-13 2001-03-12 株式会社ジャストシステム An online gift system, a server system of an online gift system, a terminal device of the online gift system, an online gift server system, a terminal device, a gift method of the online gift system, an online gift method, and a program for causing a computer to execute those methods are recorded. Computer readable recording medium
US6996561B2 (en) * 1997-12-21 2006-02-07 Brassring, Llc System and method for interactively entering data into a database
US5999939A (en) * 1997-12-21 1999-12-07 Interactive Search, Inc. System and method for displaying and entering interactively modified stream data into a structured form
US9900305B2 (en) 1998-01-12 2018-02-20 Soverain Ip, Llc Internet server access control and monitoring systems
JP3305645B2 (en) * 1998-02-09 2002-07-24 富士写真フイルム株式会社 Application server in network photo service system
US6636833B1 (en) 1998-03-25 2003-10-21 Obis Patents Ltd. Credit card system and method
US6304857B1 (en) 1998-06-08 2001-10-16 Microsoft Corporation Distributed electronic billing system with gateway interfacing biller and service center
US7249114B2 (en) * 1998-08-06 2007-07-24 Cybersettle Holdings, Inc. Computerized dispute resolution system and method
US6601761B1 (en) 1998-09-15 2003-08-05 Citibank, N.A. Method and system for co-branding an electronic payment platform such as an electronic wallet
US7152043B2 (en) * 1999-02-19 2006-12-19 Ariba, Inc. Method and system for dynamically controlling overtime in electronic auctions
US7533064B1 (en) * 1998-10-07 2009-05-12 Paypal Inc. E-mail invoked electronic commerce
US6058417A (en) 1998-10-23 2000-05-02 Ebay Inc. Information presentation and management in an online trading environment
US7007076B1 (en) 1998-10-23 2006-02-28 Ebay Inc. Information presentation and management in an online trading environment
EP1461755A4 (en) * 1998-11-02 2004-09-29 Hsx Inc Computer-implemented securities trading system with virtual currency and virtual specialist
WO2000028452A1 (en) * 1998-11-05 2000-05-18 Secure Accounts Ltd. Secure architecture for exchange executes digitally signed contracts
US7809636B1 (en) 1998-11-13 2010-10-05 Jpmorgan Chase Bank, N.A. System and method for multicurrency and multibank processing over a non-secure network
US8527392B2 (en) 1998-12-08 2013-09-03 Ebay Inc. Method and apparatus for holding a two-stage live auction for on-site and on-line bidders
US7840472B1 (en) 1999-12-08 2010-11-23 Ebay Inc. Method and apparatus for holding an online live auction to combine features of both the internet and traditional, real world auctions
CA2291920A1 (en) * 1998-12-11 2000-06-11 Karuna Ganesan Technique for conducting secure transactions over a network
FR2787224A1 (en) * 1998-12-14 2000-06-16 Charles Henri Edgar Mourre Electronic transactions system between purchaser and seller with secure transfer of payment; transmits electronic validation code, an access code, payment title code and bank identity code
PL342891A1 (en) * 1998-12-16 2001-07-16 Card Line S R O System for electronic cashless purchase of goods and services by payment card
AU763571B2 (en) 1998-12-23 2003-07-24 Chase Manhattan Bank, The System and method for integrating trading operations including the generation, processing and tracking of and trade documents
US8005731B1 (en) * 1999-01-14 2011-08-23 Autobytel.Com, Inc. Real time vehicle purchase request management method and system
US6324526B1 (en) * 1999-01-15 2001-11-27 D'agostino John System and method for performing secure credit card purchases
US6135349A (en) * 1999-02-01 2000-10-24 First Data Corporation System and method for enabling a merchant to apply for a credit card processing account using the internet
US7451114B1 (en) 1999-02-19 2008-11-11 Visa International Service Association Conducting commerce between individuals
CN1423786A (en) 1999-03-02 2003-06-11 奎克斯塔投资公司 Electronic commerce transactions within a marketing system that may contain a member ship buying opportunity
US7353194B1 (en) 1999-03-02 2008-04-01 Alticor Investments, Inc. System and method for managing recurring orders in a computer network
US7359871B1 (en) 1999-03-02 2008-04-15 Alticor Investments Inc. System and method for managing recurring orders in a computer network
US7117172B1 (en) 1999-03-11 2006-10-03 Corecard Software, Inc. Methods and systems for managing financial accounts
US6519628B1 (en) 1999-03-24 2003-02-11 Live Person, Inc. Method and system for customer service using a packet switched network
US6907566B1 (en) 1999-04-02 2005-06-14 Overture Services, Inc. Method and system for optimum placement of advertisements on a webpage
CA2366517C (en) 1999-04-13 2006-11-07 Orbis Patents Limited Person-to-person, person-to-business, business-to-person, and business-to-business financial transaction system
US6847373B1 (en) 1999-04-16 2005-01-25 Avid Technology, Inc. Natural color matching in a video editing system
US8099359B1 (en) 1999-04-19 2012-01-17 The Western Union Company System and method for issuing negotiable instruments by licensed money transmitter from direct deposits
US6889325B1 (en) 1999-04-28 2005-05-03 Unicate Bv Transaction method and system for data networks, like internet
CA2369081C (en) * 1999-04-30 2012-02-07 X.Com Corporation System and method for electronically exchanging value among distributed users
US6609113B1 (en) 1999-05-03 2003-08-19 The Chase Manhattan Bank Method and system for processing internet payments using the electronic funds transfer network
US6704714B1 (en) 1999-05-03 2004-03-09 The Chase Manhattan Bank Virtual private lock box
US7110978B1 (en) * 1999-05-10 2006-09-19 First Data Corporation Internet-based money order system
US7068832B1 (en) 1999-05-11 2006-06-27 The Chase Manhattan Bank Lockbox imaging system
US20120209737A1 (en) * 1999-05-12 2012-08-16 Mesaros Gregory J Multiple Criteria Buying and Selling Model
US7685067B1 (en) 1999-05-14 2010-03-23 Amazon.Com, Inc. Computer-assisted funds transfer system
US7194437B1 (en) 1999-05-14 2007-03-20 Amazon.Com, Inc. Computer-based funds transfer system
GB2367168B (en) * 1999-05-25 2004-02-18 Safepay Australia Pty Ltd System for handling network transactions
US7702537B2 (en) * 1999-05-28 2010-04-20 Yahoo! Inc System and method for enabling multi-element bidding for influencing a position on a search result list generated by a computer network search engine
US7065500B2 (en) * 1999-05-28 2006-06-20 Overture Services, Inc. Automatic advertiser notification for a system for providing place and price protection in a search result list generated by a computer network search engine
US7035812B2 (en) * 1999-05-28 2006-04-25 Overture Services, Inc. System and method for enabling multi-element bidding for influencing a position on a search result list generated by a computer network search engine
US7835943B2 (en) * 1999-05-28 2010-11-16 Yahoo! Inc. System and method for providing place and price protection in a search result list generated by a computer network search engine
US7225182B2 (en) 1999-05-28 2007-05-29 Overture Services, Inc. Recommending search terms using collaborative filtering and web spidering
US6401077B1 (en) 1999-05-28 2002-06-04 Network Commerce, Inc. Method and system for providing additional behavior through a web page
US6269361B1 (en) * 1999-05-28 2001-07-31 Goto.Com System and method for influencing a position on a search result list generated by a computer network search engine
US7231358B2 (en) 1999-05-28 2007-06-12 Overture Services, Inc. Automatic flight management in an online marketplace
GB2350982B (en) * 1999-06-10 2003-06-25 John Quentin Phillipps Electronic commerce system
US20020161676A1 (en) * 1999-06-10 2002-10-31 Viswanath Vadlamani Prepaid fixed quantity access to web services
WO2000079451A1 (en) * 1999-06-17 2000-12-28 Mobius Management Systems, Inc. Electronic statement, bill presentment and payment system and method
AU6053700A (en) * 1999-06-28 2001-01-31 Starpay.Com, Inc. Apparatus and method for performing secure network transactions
US7058817B1 (en) 1999-07-02 2006-06-06 The Chase Manhattan Bank System and method for single sign on process for websites with multiple applications and services
JP2003504734A (en) * 1999-07-06 2003-02-04 ダナ ビー. ダンカン, Online interactive system and method for trading
US6934692B1 (en) 1999-07-06 2005-08-23 Dana B. Duncan On-line interactive system and method for transacting business
AU6230200A (en) * 1999-07-23 2001-02-13 Goran Rajsic A system and method for providing remote access of information to a user in a familiar configuration
AU4933799A (en) * 1999-08-02 2001-02-19 E-Mark Systems Inc. Electronic settlement system, settlement device, and terminal
BR0013224A (en) * 1999-08-09 2003-07-15 First Data Corp Integrated point of sale payment terminal and electronic check conversion method for use with an integrated point of sale payment terminal
US20040148203A1 (en) * 2002-10-08 2004-07-29 First Data Corporation Systems and methods for verifying medical insurance coverage
US6827260B2 (en) * 1999-08-09 2004-12-07 First Data Corporation Systems and methods for utilizing a point-of-sale system
US7600673B2 (en) * 1999-08-09 2009-10-13 First Data Corporation Systems and methods for performing transactions at a point-of-sale
US20050015280A1 (en) * 2002-06-11 2005-01-20 First Data Corporation Health care eligibility verification and settlement systems and methods
US8751250B2 (en) 1999-08-09 2014-06-10 First Data Corporation Health care eligibility verification and settlement systems and methods
US7086584B2 (en) * 1999-08-09 2006-08-08 First Data Corporation Systems and methods for configuring a point-of-sale system
US6886742B2 (en) * 1999-08-09 2005-05-03 First Data Corporation Systems and methods for deploying a point-of sale device
US7720762B1 (en) 2002-10-03 2010-05-18 Gofigure Payments, Llc System and method for electronically processing commercial transactions based upon threshold amount
KR20000063676A (en) * 1999-08-10 2000-11-06 박철 Internet trade enhancing purchaser's security
US7376583B1 (en) 1999-08-10 2008-05-20 Gofigure, L.L.C. Device for making a transaction via a communications link
US7644037B1 (en) 1999-08-16 2010-01-05 Vladimir Ostrovsky Method and system for transferring electronic funds
EP1077436A3 (en) 1999-08-19 2005-06-22 Citicorp Development Center, Inc. System and method for performing an on-line transaction using a single-use payment instrument
EP1437700A2 (en) 1999-08-30 2004-07-14 CORNUEJOLS, Georges Communicationmethod and -device
FR2797974B1 (en) * 1999-08-30 2004-11-19 Georges Marc Cornuejols PAYMENT SECURITY METHOD AND DEVICE
FR2798026B1 (en) * 1999-08-30 2006-11-17 Georges Cornuejols METHOD AND COMMUNICATION DEVICE FOR SECURING INFORMATION
US7505941B2 (en) 1999-08-31 2009-03-17 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions using biometrics
US7953671B2 (en) * 1999-08-31 2011-05-31 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7343351B1 (en) * 1999-08-31 2008-03-11 American Express Travel Related Services Company, Inc. Methods and apparatus for conducting electronic transactions
US7889052B2 (en) 2001-07-10 2011-02-15 Xatra Fund Mx, Llc Authorizing payment subsequent to RF transactions
US7124111B1 (en) 1999-09-14 2006-10-17 Jpmorgan Chase Bank, N.A. Service charge adjustment platform
EP1218842A1 (en) * 1999-09-20 2002-07-03 Ethentica, Inc. Trust arbitrage in cryptographic authentication
EP1087350A1 (en) * 1999-09-22 2001-03-28 Trintech Limited A method for the secure transfer of payments
WO2001022333A1 (en) * 1999-09-22 2001-03-29 PERÉZ, Luis, Andrés Electronic prefunded purchasing unit account funding network and method
AU7035700A (en) * 1999-09-22 2001-04-24 Trintech Limited A method for the secure transfer of payments
US6760470B1 (en) * 1999-09-27 2004-07-06 Amazon.Com, Inc. Extraction of bank routing number from information entered by a user
AU7987900A (en) * 1999-10-01 2001-05-10 Citibank, N.A. A system and method for conducting financial transactions over the internet
US7127427B1 (en) 1999-10-05 2006-10-24 Andrew Casper Secure transaction processing system and method
US7805365B1 (en) 1999-10-25 2010-09-28 Jpmorgan Chase Bank, N.A. Automated statement presentation, adjustment and payment system and method therefor
US7617157B2 (en) * 2002-01-03 2009-11-10 The Western Union Company Method for receiving electronically transferred funds using an automated teller machine
US6994251B2 (en) * 1999-10-26 2006-02-07 First Data Corporation Cash payment for remote transactions
US8494956B2 (en) 1999-10-26 2013-07-23 The Western Union Company Internet funds transfer system using ATM pickup
US6814282B2 (en) 1999-10-26 2004-11-09 First Data Corporation Systems and methods of introducing and receiving information across a computer network
US7104440B2 (en) 1999-10-26 2006-09-12 First Data Corporation Money transfer systems and methods for travelers
US6488203B1 (en) * 1999-10-26 2002-12-03 First Data Corporation Method and system for performing money transfer transactions
US8025212B2 (en) 1999-10-26 2011-09-27 The Western Union Company Cash payment for remote transactions
US6332134B1 (en) * 1999-11-01 2001-12-18 Chuck Foster Financial transaction system
AU3438401A (en) 1999-11-04 2001-05-14 Jp Morgan Chase Bank System and method for automated financial project management
US20090048886A1 (en) * 1999-11-05 2009-02-19 American Express Travel Related Services Company, Inc. Systems and Methods for Facilitating Gifting Transactions
US20090271278A1 (en) * 1999-11-05 2009-10-29 American Express Travel Related Services Company, Inc. Systems and methods for routing a transaction request to a payment system via a transaction device
US8103585B2 (en) * 1999-11-05 2012-01-24 American Express Travel Related Services Company, Inc. Systems and methods for suggesting an allocation
US20090164325A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems and Methods for Locating an Automated Clearing House Utilizing a Point of Sale Device
US7941367B2 (en) * 1999-11-05 2011-05-10 American Express Travel Related Services Company, Inc. Systems and methods for allocating an amount between sub-accounts
US7962406B2 (en) * 1999-11-05 2011-06-14 American Express Travel Related Services Company, Inc. Systems and methods for facilitating transactions
US20090265241A1 (en) * 1999-11-05 2009-10-22 American Express Travel Related Services Company, Inc. Systems and methods for determining a rewards account to fund a transaction
US8103584B2 (en) * 1999-11-05 2012-01-24 American Express Travel Related Services Company, Inc. Systems and methods for authorizing an allocation of an amount between transaction accounts
US20090048887A1 (en) * 1999-11-05 2009-02-19 American Express Travel Related Services Company, Inc. Systems and Methods for Facilitating Transactions Involving an Intermediary
US20090265250A1 (en) * 1999-11-05 2009-10-22 American Express Travel Related Services Company, Inc. Systems and methods for processing a transaction according to an allowance
US7962407B2 (en) * 1999-11-05 2011-06-14 American Express Travel Related Services Company, Inc. Systems and methods for allocating an amount between transaction accounts
US6654726B1 (en) 1999-11-05 2003-11-25 Ford Motor Company Communication schema of online system and method of status inquiry and tracking related to orders for consumer product having specific configurations
US6980963B1 (en) 1999-11-05 2005-12-27 Ford Motor Company Online system and method of status inquiry and tracking related to orders for consumer product having specific configurations
US6728685B1 (en) 1999-11-05 2004-04-27 Ford Motor Company Communication schema of online reporting system and method related to online orders for consumer products having specific configurations
US7877325B2 (en) * 1999-11-05 2011-01-25 American Express Travel Related Services Company, Inc. Systems and methods for settling an allocation of an amount between transaction accounts
US8875990B2 (en) * 1999-11-05 2014-11-04 Lead Core Fund, L.L.C. Systems and methods for allocating a payment authorization request to a payment processor
US20090048885A1 (en) * 1999-11-05 2009-02-19 American Express Travel Related Services Company, Inc. Systems and Methods for Facilitating Cost-Splitting Transactions
US6901430B1 (en) 1999-11-05 2005-05-31 Ford Motor Company Online system and method of locating consumer product having specific configurations in the enterprise production pipeline and inventory
US8073772B2 (en) * 1999-11-05 2011-12-06 American Express Travel Related Services Company, Inc. Systems and methods for processing transactions using multiple budgets
US7979349B2 (en) * 1999-11-05 2011-07-12 American Express Travel Related Services Company, Inc. Systems and methods for adjusting crediting limits to facilitate transactions
US8814039B2 (en) * 1999-11-05 2014-08-26 Lead Core Fund, L.L.C. Methods for processing a payment authorization request utilizing a network of point of sale devices
US20090164331A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Locating a Payment System Utilizing a Point of Sale Device
US8275704B2 (en) * 1999-11-05 2012-09-25 Lead Core Fund, L.L.C. Systems and methods for authorizing an allocation of an amount between transaction accounts
US8851369B2 (en) * 1999-11-05 2014-10-07 Lead Core Fund, L.L.C. Systems and methods for transaction processing using a smartcard
US7475808B1 (en) 1999-11-05 2009-01-13 American Express Travel Related Services Company, Inc. Systems and methods for locating a payment system utilizing a wireless point of sale device
US8180706B2 (en) * 1999-11-05 2012-05-15 Lead Core Fund, L.L.C. Systems and methods for maximizing a rewards accumulation strategy during transaction processing
US7925585B2 (en) * 1999-11-05 2011-04-12 American Express Travel Related Services Company, Inc. Systems and methods for facilitating transactions with different account issuers
US8820633B2 (en) * 1999-11-05 2014-09-02 Lead Core Fund, L.L.C. Methods for a third party biller to receive an allocated payment authorization request
US20090164328A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems and Methods for Locating a Payment System and Determining a Taxing Authority Utilizing a Point of Sale Device
US7571131B1 (en) 1999-11-05 2009-08-04 Ford Motor Company Method of conducting online competitive price quoting events
US8794509B2 (en) * 1999-11-05 2014-08-05 Lead Core Fund, L.L.C. Systems and methods for processing a payment authorization request over disparate payment networks
US8646685B2 (en) * 1999-11-05 2014-02-11 Lead Core Fund, L.L.C. Device for allocating a payment authorization request to a payment processor
US8190514B2 (en) * 1999-11-05 2012-05-29 Lead Core Fund, L.L.C. Systems and methods for transaction processing based upon an overdraft scenario
US20090164329A1 (en) * 1999-11-05 2009-06-25 American Express Travel Related Services Company, Inc. Systems for Processing a Payment Authorization Request Utilizing a Network of Point of Sale Devices
US6609108B1 (en) 1999-11-05 2003-08-19 Ford Motor Company Communication schema of online system and method of ordering consumer product having specific configurations
WO2001033522A1 (en) * 1999-11-05 2001-05-10 American Express Travel Related Services Company, Inc. Systems and methods for facilitating commercial transactions between parties residing at remote locations
US20090265249A1 (en) * 1999-11-05 2009-10-22 American Express Travel Related Services Company, Inc. Systems and methods for split tender transaction processing
US7908214B2 (en) * 1999-11-05 2011-03-15 American Express Travel Related Services Company, Inc. Systems and methods for adjusting loan amounts to facilitate transactions
US7996307B2 (en) * 1999-11-05 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for facilitating transactions between different financial accounts
US8234212B2 (en) * 1999-11-05 2012-07-31 Lead Core Fund, L.L.C. Systems and methods for facilitating transactions with interest
US7962408B2 (en) * 1999-11-05 2011-06-14 American Express Travel Related Services Company, Inc. Systems and methods for establishing an allocation of an amount between transaction accounts
US8596527B2 (en) * 1999-11-05 2013-12-03 Lead Core Fund, L.L.C. Methods for locating a payment system utilizing a point of sale device
US7904385B2 (en) * 1999-11-05 2011-03-08 American Express Travel Related Services Company, Inc. Systems and methods for facilitating budgeting transactions
US7941372B2 (en) * 1999-11-05 2011-05-10 American Express Travel Related Services Company, Inc. Systems and methods for receiving an allocation of an amount between transaction accounts
US7899744B2 (en) * 1999-11-05 2011-03-01 American Express Travel Related Services Company, Inc. Systems and methods for approval of an allocation
US8195565B2 (en) * 1999-11-05 2012-06-05 Lead Core Fund, L.L.C. Systems and methods for point of interaction based policy routing of transactions
US8458086B2 (en) * 1999-11-05 2013-06-04 Lead Core Fund, L.L.C. Allocating partial payment of a transaction amount using an allocation rule
US6895388B1 (en) 1999-11-05 2005-05-17 Ford Motor Company Communication schema of online system and method of locating consumer product in the enterprise production pipeline
US6876991B1 (en) 1999-11-08 2005-04-05 Collaborative Decision Platforms, Llc. System, method and computer program product for a collaborative decision platform
AU1606601A (en) * 1999-11-15 2001-05-30 Jacques Blinbaum Cash payment system
US8601373B1 (en) 1999-11-16 2013-12-03 Ebay Inc. Network-based sales system with customizable user interface
DE19956500A1 (en) * 1999-11-24 2002-01-31 Siemens Ag Arrangement and data entry and transfer method for handling a payment transaction in a data network
US10275780B1 (en) 1999-11-24 2019-04-30 Jpmorgan Chase Bank, N.A. Method and apparatus for sending a rebate via electronic mail over the internet
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
US7603311B1 (en) 1999-11-29 2009-10-13 Yadav-Ranjan Rani K Process and device for conducting electronic transactions
US7181418B1 (en) 1999-11-30 2007-02-20 John Todd Zucker Internet customer service method and system
US7373312B1 (en) * 1999-12-03 2008-05-13 Ebay Inc. Method and apparatus for facilitating user registration in an on-line auction environment
US6540135B1 (en) * 1999-12-17 2003-04-01 International Business Machines Corporation Method and system for expediting service to a user by defaulting to typical preferences of the user at a service-oriented user interface terminal
US7069234B1 (en) 1999-12-22 2006-06-27 Accenture Llp Initiating an agreement in an e-commerce environment
US6629081B1 (en) 1999-12-22 2003-09-30 Accenture Llp Account settlement and financing in an e-commerce environment
US7343322B1 (en) 1999-12-28 2008-03-11 Time Consumer Marketing, Inc. Method and apparatus for marketing products over the internet
US6965865B2 (en) 1999-12-30 2005-11-15 Bank One Delaware N.A. System and method for integrated customer management
KR100472169B1 (en) * 1999-12-30 2005-03-07 주식회사 옥션 Method for protect seller and buyer in telecommunication transaction using computer network system
US7593898B1 (en) 1999-12-30 2009-09-22 First Data Corporation Method and system for payment transactions and shipment tracking over the internet
US7376587B1 (en) 2000-07-11 2008-05-20 Western Union Financial Services, Inc. Method for enabling transfer of funds through a computer network
US7177836B1 (en) * 1999-12-30 2007-02-13 First Data Corporation Method and system for facilitating financial transactions between consumers over the internet
US7613653B2 (en) * 1999-12-30 2009-11-03 First Data Corporation Money order debit from stored value fund
KR20000023992A (en) * 2000-01-04 2000-05-06 유세형 Insurance System of Transacting a Sale over a Network of Computers, and the Method
JP2001202422A (en) * 2000-01-17 2001-07-27 Sony Computer Entertainment Inc Method and system for transaction processing
JP2001195530A (en) * 2000-01-17 2001-07-19 Sony Computer Entertainment Inc Sales management system and agent sales method
AU2001231060A1 (en) * 2000-01-20 2001-07-31 David Thieme System and method for facilitating secure payment with privacy over a computer network including the internet
US8543423B2 (en) 2002-07-16 2013-09-24 American Express Travel Related Services Company, Inc. Method and apparatus for enrolling with multiple transaction environments
US8429041B2 (en) 2003-05-09 2013-04-23 American Express Travel Related Services Company, Inc. Systems and methods for managing account information lifecycles
FI112286B (en) * 2000-01-24 2003-11-14 Smarttrust Systems Oy Payment service apparatus and secure payment procedure
KR20000024216A (en) * 2000-01-29 2000-05-06 유세형 Payment Agency System of Transacting a Sale over a Network of Computers, and the Method
US20050131792A1 (en) * 2000-02-03 2005-06-16 Rick Rowe Financial transaction system with integrated, automatic reward detection
US20040199438A1 (en) * 2000-02-03 2004-10-07 Rick Rowe Method and system for implementing electronic account transactions
US20040225605A1 (en) * 2000-02-03 2004-11-11 Rick Rowe Account-based electronic music access system and method
US20050021458A1 (en) * 2000-02-03 2005-01-27 Rick Rowe Account-enabled on-line devices
WO2001057772A1 (en) * 2000-02-04 2001-08-09 Dean Mersky Electronic payment systems and methods
AU2001234790A1 (en) * 2000-02-04 2001-08-14 Bankstream Ltd. Bank account stock trading
US6847953B2 (en) 2000-02-04 2005-01-25 Kuo James Shaw-Han Process and method for secure online transactions with calculated risk and against fraud
US6505171B1 (en) 2000-02-04 2003-01-07 Robert H. Cohen System and method for handling purchasing transactions over a computer network
US6934532B2 (en) * 2000-02-09 2005-08-23 Apriva, Inc. Communication systems, components, and methods operative with programmable wireless devices
US8626576B1 (en) 2000-02-11 2014-01-07 Apple Inc. System and method for marketing employing the distribution of a pay for performance database
WO2001059589A2 (en) * 2000-02-11 2001-08-16 Goldscheider Daniel F Method and apparatus for wap enabled commercial transactions
US6993559B2 (en) * 2000-02-14 2006-01-31 Bigbow.Com, Inc. System, method, apparatus and computer program product for operating a web site by electronic mail
US7822656B2 (en) 2000-02-15 2010-10-26 Jpmorgan Chase Bank, N.A. International banking system and method
US6867789B1 (en) 2000-02-15 2005-03-15 Bank One, Delaware, National Association System and method for generating graphical user interfaces
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
US7428505B1 (en) 2000-02-29 2008-09-23 Ebay, Inc. Method and system for harvesting feedback and comments regarding multiple items from users of a network-based transaction facility
US7366695B1 (en) 2000-02-29 2008-04-29 First Data Corporation Electronic purchase method and funds transfer system
US20030126075A1 (en) * 2001-11-15 2003-07-03 First Data Corporation Online funds transfer method
US20030126036A1 (en) * 2000-02-29 2003-07-03 First Data Corporation Online payments
US8121941B2 (en) * 2000-03-07 2012-02-21 American Express Travel Related Services Company, Inc. System and method for automatic reconciliation of transaction account spend
US7627531B2 (en) * 2000-03-07 2009-12-01 American Express Travel Related Services Company, Inc. System for facilitating a transaction
AU2001245524B2 (en) * 2000-03-08 2007-06-14 Ic Universe, Inc. System and method for secured electronic transactions
EP1282055A4 (en) * 2000-03-09 2009-08-12 Kitagawa Yoshiko Information processing apparatus with optical data reader, servers, and electronic commerce method
GB2360383C (en) * 2000-03-17 2005-10-10 Tradesafely Com Ltd Payment authorisation method and apparatus
IL150428A0 (en) * 2000-03-17 2002-12-01 Tradesafely Com Ltd Payment authorisation method and apparatus
US8706618B2 (en) 2005-09-29 2014-04-22 Ebay Inc. Release of funds based on criteria
EP1134707A1 (en) * 2000-03-17 2001-09-19 Tradesafely.com Limited Payment authorisation method and apparatus
AU2001245754A1 (en) 2000-03-17 2001-10-03 Ebay, Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
EP1266482A1 (en) * 2000-03-21 2002-12-18 Smarttrust Systems Oy Digital contract
US7249113B1 (en) 2000-03-29 2007-07-24 American Express Travel Related Services Company, Inc. System and method for facilitating the handling of a dispute
US6785679B1 (en) * 2000-03-29 2004-08-31 Brassring, Llc Method and apparatus for sending and tracking resume data sent via URL
US7725385B2 (en) * 2000-03-29 2010-05-25 American Express Travel Related Services Company, Inc. System and method for facilitating the handling of a dispute using disparate architectures
US20050178824A1 (en) * 2000-03-29 2005-08-18 American Express Travel Related Services Company, Inc. On-line merchant services system and method for facilitating resolution of post transaction disputes
EP1267290A4 (en) * 2000-03-30 2003-05-02 Sony Corp Donation processing system
US8473342B1 (en) 2000-04-05 2013-06-25 Catalina Marketing Corporation Method and system for generating certificates having unique Id data
US7904336B2 (en) * 2000-04-11 2011-03-08 Ncr Corporation System for generating revenue using electronic mail and method for its use
WO2001080148A1 (en) * 2000-04-12 2001-10-25 Ascom Hasler Mailing Systems, Inc. Technique for securely conducting online transactions
JP2001297284A (en) * 2000-04-12 2001-10-26 Cyber Sign Japan Inc Authenticating and clearance method, article selling method, and authentication and clearance system
US6618705B1 (en) * 2000-04-19 2003-09-09 Tiejun (Ronald) Wang Method and system for conducting business in a transnational e-commerce network
AU2001257280C1 (en) * 2000-04-24 2009-01-15 Visa International Service Association Online payer authentication service
KR20010098145A (en) * 2000-04-28 2001-11-08 명남수 Agent/proxy application server system
WO2001086531A1 (en) * 2000-05-11 2001-11-15 Kazuyoshi Kouketsu Method of offering member services, member service offering system, and mobile telephone customer reservation administrating system
US7516100B1 (en) 2000-05-12 2009-04-07 The Western Union Company Method and system for transferring money in business-to-business internet transactions
US7584135B1 (en) * 2000-05-17 2009-09-01 Bullion Direct, Inc. System and method for electronic trading and delivery of a commoditized product
EP1305741A4 (en) * 2000-05-24 2005-04-27 Overture Services Inc Online media exchange
US7877278B1 (en) * 2000-05-30 2011-01-25 Ebay Inc. Method and system for reporting fraud and claiming insurance related to network-based transactions
AU2001266628A1 (en) 2000-05-31 2001-12-11 Indivos Corporation Biometric financial transaction system and method
US9165323B1 (en) 2000-05-31 2015-10-20 Open Innovation Network, LLC Biometric transaction system and method
WO2001095185A1 (en) * 2000-06-05 2001-12-13 Wincess Yugen Kaisha Information processing system and terminal device for wide-area network, and user identification information encrypting and decrypting methods
US7673229B1 (en) 2000-06-07 2010-03-02 Ebay Inc. Apparatus and method for generating sub-codes to a turbo-encoder
US6519573B1 (en) * 2000-06-12 2003-02-11 Gold Box, Inc. System and method for charitable giving
US7426530B1 (en) 2000-06-12 2008-09-16 Jpmorgan Chase Bank, N.A. System and method for providing customers with seamless entry to a remote server
KR20010114061A (en) * 2000-06-20 2001-12-29 허장현 Settlement method for transactions between remote agents through escrow and thereof system
AU2001270066A1 (en) * 2000-06-22 2002-01-02 Gopin Inc System and method for vendor account validation in electronic commerce
US10185936B2 (en) 2000-06-22 2019-01-22 Jpmorgan Chase Bank, N.A. Method and system for processing internet payments
KR100348846B1 (en) * 2000-06-22 2002-08-17 (주)메일캐스터 Method for the proxy execution of payment and receipt by e-mail
US7831508B1 (en) 2000-06-23 2010-11-09 Jpmorgan Chase Bank, N.A. System and method for implementing a consolidated application process
US7584125B2 (en) 2000-06-26 2009-09-01 Jpmorgan Chase Bank, N.A. Electronic check presentment system and method having an item sequence capability
US7949600B1 (en) 2000-06-27 2011-05-24 Western Union Financial Services, Inc. Method for facilitating payment of a computerized transaction
US7043457B1 (en) 2000-06-28 2006-05-09 Probuild, Inc. System and method for managing and evaluating network commodities purchasing
JP4403639B2 (en) * 2000-06-29 2010-01-27 ソニー株式会社 Sales method and sales system
US20090132351A1 (en) * 2000-07-10 2009-05-21 Vett Limited Transaction processing system
GB2367411C (en) * 2000-07-10 2007-12-12 Garry Harold Gibson Pyment system
EP1312012A4 (en) 2000-07-11 2006-09-06 First Data Corp Wide area network person-to-person payment
US7398252B2 (en) 2000-07-11 2008-07-08 First Data Corporation Automated group payment
US7249098B2 (en) * 2000-07-11 2007-07-24 First Data Corporation Subscription-based payment
US7610216B1 (en) * 2000-07-13 2009-10-27 Ebay Inc. Method and system for detecting fraud
US7359869B1 (en) 2000-07-14 2008-04-15 Stamps.Com, Inc. Method and system for facilitating secure electronic transactions with multiple merchants
US7756764B1 (en) 2000-07-25 2010-07-13 Charitable Management Systems, Inc. Charitable contribution system
US7146338B2 (en) 2001-06-28 2006-12-05 Checkfree Services Corporation Inter-network financial service
KR20020008698A (en) * 2000-07-25 2002-01-31 서석배 Method and system for credit purchasing of electronic commerce on the internet
CA2417219A1 (en) * 2000-07-25 2002-01-31 Larry A. Masi Non-cash transaction incentive and commission distribution system
US8468071B2 (en) 2000-08-01 2013-06-18 Jpmorgan Chase Bank, N.A. Processing transactions using a register portion to track transactions
US7523067B1 (en) * 2000-08-02 2009-04-21 Softbankbb Corporation Electronic settlement system, settlement apparatus, and terminal
GB2365559A (en) * 2000-08-07 2002-02-20 Rue De Int Ltd Financial payment system and method for internet transactions
WO2002015098A2 (en) 2000-08-11 2002-02-21 Loy John J Trade receivable processing method and apparatus
WO2002015077A1 (en) * 2000-08-14 2002-02-21 Starpay.Com, Inc. Apparatus and method for performing secure network transactions
US7206768B1 (en) 2000-08-14 2007-04-17 Jpmorgan Chase Bank, N.A. Electronic multiparty accounts receivable and accounts payable system
US7031939B1 (en) * 2000-08-15 2006-04-18 Yahoo! Inc. Systems and methods for implementing person-to-person money exchange
US7747866B1 (en) 2000-08-24 2010-06-29 Jpmorgan Chase Bank, N.A. System and method providing improved error detection related to transmission of data over a communication link
US7584251B2 (en) * 2000-08-28 2009-09-01 Brown Scott T E-mail messaging system and method for enhanced rich media delivery
DE60110812D1 (en) * 2000-08-30 2005-06-16 Georges Cornuejols APPARATUS AND METHOD FOR SECURING INFORMATION ON ON-LINE TRANSACTIONS
US20020128878A1 (en) * 2000-08-31 2002-09-12 Maritzen L. Michael Method and apparatus for consolidating billing information and paying suppliers on a network
US8015084B1 (en) 2000-09-06 2011-09-06 Jpmorgan Chase Bank, N.A. System and method for linked account having sweep feature
EP1187077A1 (en) * 2000-09-08 2002-03-13 Jean-Charles Clerc Method for making secure an internet transaction
US8335855B2 (en) 2001-09-19 2012-12-18 Jpmorgan Chase Bank, N.A. System and method for portal infrastructure tracking
US7062457B1 (en) 2000-09-22 2006-06-13 Iac/Interactivecorp. Method and system for entertainment production financing
JP2002109079A (en) * 2000-09-29 2002-04-12 Casio Comput Co Ltd Education support method and support server
KR100596411B1 (en) * 2000-09-30 2006-07-03 삼성에스디에스 주식회사 Method and System of Knowledge Portal Service based on P2P
JP2002117361A (en) * 2000-10-06 2002-04-19 Hitachi Ltd Electronic account settlement method and electronic account settlement system
US7580890B2 (en) 2000-10-12 2009-08-25 Jpmorgan Chase Bank, N.A. System and method for supervising account management operations
US7660740B2 (en) 2000-10-16 2010-02-09 Ebay Inc. Method and system for listing items globally and regionally, and customized listing according to currency or shipping area
JP2002123438A (en) * 2000-10-17 2002-04-26 Sony Corp System, device and method for distributing information
US8868448B2 (en) 2000-10-26 2014-10-21 Liveperson, Inc. Systems and methods to facilitate selling of products and services
US9819561B2 (en) 2000-10-26 2017-11-14 Liveperson, Inc. System and methods for facilitating object assignments
US7536351B2 (en) 2000-10-30 2009-05-19 Amazon.Com, Inc. User-to-user payment service with payee-specific pay pages
US7542943B2 (en) 2000-10-30 2009-06-02 Amazon Technologies, Inc. Computer services and methods for collecting payments from and providing content to web users
US7356507B2 (en) * 2000-10-30 2008-04-08 Amazon.Com, Inc. Network based user-to-user payment service
KR20010008038A (en) * 2000-11-03 2001-02-05 박영민 On-line security settlement
AU2002224473A1 (en) * 2000-11-06 2002-05-15 Electronic Warfare Associates A system and method for controlling online purchases using an online account
AU2002220935A1 (en) * 2000-11-06 2002-05-15 Onshelf Trading Ninety Seven (Proprietary) Limited A data processing system
US8285641B2 (en) 2000-11-06 2012-10-09 Jpmorgan Chase Bank, N.A. System and method for selectable funding of electronic transactions
US7454373B2 (en) * 2000-11-06 2008-11-18 Jpmorgan Chase Bank, N.A. System and method for providing automated database assistance to financial service operators
US8630938B2 (en) * 2000-11-15 2014-01-14 Ebay Inc. Method and apparatus to detect fraudulent activities within a network-based auction facility
US20020143567A1 (en) * 2000-11-20 2002-10-03 Maritzen L. Michael Information-based digital currency and bartering
US7774276B1 (en) 2000-11-20 2010-08-10 Ebay Inc. Method and system for dealing with non-paying bidders related to network-based transactions
US7107242B1 (en) 2000-11-21 2006-09-12 Vasil Paul E Electronic transaction security method
KR100416407B1 (en) * 2000-11-27 2004-01-31 김상헌 For children electronic commerce and new payment system
US20050240518A1 (en) * 2000-11-30 2005-10-27 Ricoh Company Ltd. Method and system for on-line communication based on an off-line transaction
US20060149686A1 (en) * 2000-11-30 2006-07-06 Allison Debonnett Method of payment and settlement of goods and services via the INTERNET
AUPR193600A0 (en) * 2000-12-06 2001-01-04 Globaltech Pty Ltd System and method for third party facilitation of electronic payments over a network of computers
US20020072931A1 (en) * 2000-12-07 2002-06-13 Ronald C. Card System and method to provide financial rewards and other incentives to users of personal transaction devices
US20020072968A1 (en) * 2000-12-12 2002-06-13 Gorelick Richard B. System and method for incentivizing online sales
US7266533B2 (en) 2000-12-15 2007-09-04 The Western Union Company Electronic gift greeting
US7130817B2 (en) 2000-12-15 2006-10-31 First Data Corporation Electronic gift linking
US7003479B2 (en) * 2000-12-15 2006-02-21 First Data Corporation Systems and methods for ordering and distributing incentive messages
US6922673B2 (en) 2000-12-15 2005-07-26 Fist Data Corporation Systems and methods for ordering and distributing incentive messages
US7702579B2 (en) * 2000-12-19 2010-04-20 Emergis Technologies, Inc. Interactive invoicer interface
US7295999B1 (en) 2000-12-20 2007-11-13 Jpmorgan Chase Bank, N.A. System and method for determining eligibility and enrolling members in various programs
GB2370668A (en) * 2000-12-27 2002-07-03 Mark Christie Notification system for card transactions
US20020128981A1 (en) * 2000-12-28 2002-09-12 Kawan Joseph C. Method and system for facilitating secure customer financial transactions over an open network
US7529698B2 (en) * 2001-01-16 2009-05-05 Raymond Anthony Joao Apparatus and method for providing transaction history information, account history information, and/or charge-back information
US7610244B2 (en) * 2001-01-17 2009-10-27 Xprt Ventures, Llc System and method for effecting payment for an item offered for an electronic auction sale
US7627528B2 (en) * 2001-01-17 2009-12-01 Xprt Ventures, Llc System and method for effecting a real-time payment for an item won on an electronic auction
US7567937B2 (en) * 2001-01-17 2009-07-28 Xprt Ventures, Llc System and method for automatically effecting payment for a user of an electronic auction system
US7483856B2 (en) 2001-01-17 2009-01-27 Xprt Ventures, Llc System and method for effecting payment for an electronic auction commerce transaction
US20080071775A1 (en) * 2001-01-18 2008-03-20 Overture Services, Inc. System And Method For Ranking Items
US8805739B2 (en) 2001-01-30 2014-08-12 Jpmorgan Chase Bank, National Association System and method for electronic bill pay and presentment
US20020120537A1 (en) * 2001-02-28 2002-08-29 Dominic Morea Web based system and method for managing business to business online transactions
US20020123935A1 (en) * 2001-03-02 2002-09-05 Nader Asghari-Kamrani Secure commerce system and method
US20020133414A1 (en) * 2001-03-14 2002-09-19 Pradhan Salil Vjaykumar Mediated shopping method and system
US7293703B2 (en) 2001-03-15 2007-11-13 Walker Digital, Llc Apparatus and methods for enforcing purchase agreements
US7899722B1 (en) 2001-03-20 2011-03-01 Goldman Sachs & Co. Correspondent bank registry
US7752134B2 (en) * 2001-03-20 2010-07-06 United Parcel Service Of America, Inc. Hybrid credit card transaction system
US8209246B2 (en) 2001-03-20 2012-06-26 Goldman, Sachs & Co. Proprietary risk management clearinghouse
US20030126073A1 (en) * 2001-03-20 2003-07-03 David Lawrence Charitable transaction risk management clearinghouse
US8121937B2 (en) 2001-03-20 2012-02-21 Goldman Sachs & Co. Gaming industry risk management clearinghouse
US8140415B2 (en) 2001-03-20 2012-03-20 Goldman Sachs & Co. Automated global risk management
US8069105B2 (en) * 2001-03-20 2011-11-29 Goldman Sachs & Co. Hedge fund risk management
US7904361B2 (en) * 2001-03-20 2011-03-08 Goldman Sachs & Co. Risk management customer registry
US7958027B2 (en) * 2001-03-20 2011-06-07 Goldman, Sachs & Co. Systems and methods for managing risk associated with a geo-political area
US8150763B2 (en) 2001-03-31 2012-04-03 The Western Union Company Systems and methods for staging transactions, payments and collections
US7184989B2 (en) 2001-03-31 2007-02-27 First Data Corporation Staged transactions systems and methods
US7165052B2 (en) 2001-03-31 2007-01-16 First Data Corporation Payment service method and system
US7096205B2 (en) 2001-03-31 2006-08-22 First Data Corporation Systems and methods for enrolling consumers in goods and services
US7117183B2 (en) 2001-03-31 2006-10-03 First Data Coroporation Airline ticket payment and reservation system and methods
US9853759B1 (en) 2001-03-31 2017-12-26 First Data Corporation Staged transaction system for mobile commerce
US7103577B2 (en) 2001-03-31 2006-09-05 First Data Corporation Systems and methods for staging transactions, payments and collections
US7103573B2 (en) * 2001-04-02 2006-09-05 Privilegeone Networks, Llc User rewards program and associated communications system
US7272857B1 (en) 2001-04-20 2007-09-18 Jpmorgan Chase Bank, N.A. Method/system for preventing identity theft or misuse by restricting access
US8849716B1 (en) 2001-04-20 2014-09-30 Jpmorgan Chase Bank, N.A. System and method for preventing identity theft or misuse by restricting access
US20020156725A1 (en) * 2001-04-23 2002-10-24 Harara Marwan Ahmed Method and means for conducting cashless financial transactions
US20020194127A1 (en) * 2001-04-30 2002-12-19 Randell Wayne L. Method and system for processing invoices
US20020198830A1 (en) * 2001-05-01 2002-12-26 Randell Wayne L. Method and system for handling disputes in an electronic invoice management system
US7577598B2 (en) 2001-05-01 2009-08-18 United Parcel Service Of America, Inc. Account opening facilitation system, method and computer program product
US7725427B2 (en) 2001-05-25 2010-05-25 Fred Bishop Recurrent billing maintenance with radio frequency payment devices
IES20010524A2 (en) * 2001-06-01 2002-12-11 Mainline Corporate Holdings A secure on-line payment system
EP1265202A1 (en) 2001-06-04 2002-12-11 Orbis Patents Limited Business-to-business commerce using financial transaction numbers
WO2002099598A2 (en) 2001-06-07 2002-12-12 First Usa Bank, N.A. System and method for rapid updating of credit information
JP4363800B2 (en) 2001-06-11 2009-11-11 ソニー株式会社 Electronic commerce support apparatus, electronic commerce support method, and computer program
CA2451616A1 (en) 2001-06-25 2003-01-03 Vincent Sethi Electronic vouchers and a system and method for issuing the same
US9454752B2 (en) 2001-07-10 2016-09-27 Chartoleaux Kg Limited Liability Company Reload protocol at a transaction processing entity
US7668750B2 (en) 2001-07-10 2010-02-23 David S Bonalle Securing RF transactions using a transactions counter
US7925535B2 (en) 2001-07-10 2011-04-12 American Express Travel Related Services Company, Inc. System and method for securing RF transactions using a radio frequency identification device including a random number generator
US9024719B1 (en) 2001-07-10 2015-05-05 Xatra Fund Mx, Llc RF transaction system and method for storing user personal data
US7360689B2 (en) 2001-07-10 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for proffering multiple biometrics for use with a FOB
US8548927B2 (en) 2001-07-10 2013-10-01 Xatra Fund Mx, Llc Biometric registration for facilitating an RF transaction
US8294552B2 (en) 2001-07-10 2012-10-23 Xatra Fund Mx, Llc Facial scan biometrics on a payment device
US7996324B2 (en) 2001-07-10 2011-08-09 American Express Travel Related Services Company, Inc. Systems and methods for managing multiple accounts on a RF transaction device using secondary identification indicia
US7303120B2 (en) 2001-07-10 2007-12-04 American Express Travel Related Services Company, Inc. System for biometric security using a FOB
US7735725B1 (en) 2001-07-10 2010-06-15 Fred Bishop Processing an RF transaction using a routing number
US7249112B2 (en) 2002-07-09 2007-07-24 American Express Travel Related Services Company, Inc. System and method for assigning a funding source for a radio frequency identification device
US8635131B1 (en) 2001-07-10 2014-01-21 American Express Travel Related Services Company, Inc. System and method for managing a transaction protocol
US8284025B2 (en) 2001-07-10 2012-10-09 Xatra Fund Mx, Llc Method and system for auditory recognition biometrics on a FOB
US7503480B2 (en) 2001-07-10 2009-03-17 American Express Travel Related Services Company, Inc. Method and system for tracking user performance
US7762457B2 (en) 2001-07-10 2010-07-27 American Express Travel Related Services Company, Inc. System and method for dynamic fob synchronization and personalization
US8960535B2 (en) 2001-07-10 2015-02-24 Iii Holdings 1, Llc Method and system for resource management and evaluation
US20040236699A1 (en) 2001-07-10 2004-11-25 American Express Travel Related Services Company, Inc. Method and system for hand geometry recognition biometrics on a fob
US7805378B2 (en) 2001-07-10 2010-09-28 American Express Travel Related Servicex Company, Inc. System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions
US8001054B1 (en) 2001-07-10 2011-08-16 American Express Travel Related Services Company, Inc. System and method for generating an unpredictable number using a seeded algorithm
US7705732B2 (en) 2001-07-10 2010-04-27 Fred Bishop Authenticating an RF transaction using a transaction counter
US9031880B2 (en) 2001-07-10 2015-05-12 Iii Holdings 1, Llc Systems and methods for non-traditional payment using biometric data
US7266839B2 (en) 2001-07-12 2007-09-04 J P Morgan Chase Bank System and method for providing discriminated content to network users
JP2003030438A (en) * 2001-07-13 2003-01-31 Hitachi Ltd Method for processing loan application in electronic commercial transaction system
DE10134541A1 (en) * 2001-07-16 2003-02-13 Siemens Ag Computer system and method for ordering a product, in particular a food or beverage
US20030028664A1 (en) * 2001-08-02 2003-02-06 Kaijun Tan Method and system for secure distribution and utilization of data over a network
US7043471B2 (en) * 2001-08-03 2006-05-09 Overture Services, Inc. Search engine account monitoring
WO2003017049A2 (en) * 2001-08-15 2003-02-27 Shea Writer Methods for verifying cardholder authenticity and for creating billing address database
US7200568B2 (en) * 2001-08-16 2007-04-03 The Procter & Gambel Company Customized customer portal
US7249069B2 (en) 2001-08-27 2007-07-24 United Parcel Service Of America, Inc. International cash-on-delivery system and method
US20030046247A1 (en) * 2001-08-31 2003-03-06 Stiasny Janos G. Cardholder transaction control methods, apparatus, signals and media
GB2379525A (en) * 2001-09-08 2003-03-12 Int Computers Ltd Electronic payment authorisation
US20030055756A1 (en) * 2001-09-17 2003-03-20 Allan Frederick Aley Method of making money payments
US7103576B2 (en) 2001-09-21 2006-09-05 First Usa Bank, Na System for providing cardless payment
US8032442B2 (en) * 2001-09-27 2011-10-04 Stubhub, Inc. System and method for providing logistics for a sale of goods
US7822684B2 (en) 2001-10-05 2010-10-26 Jpmorgan Chase Bank, N.A. Personalized bank teller machine
US6975996B2 (en) * 2001-10-09 2005-12-13 Goldman, Sachs & Co. Electronic subpoena service
US7752266B2 (en) 2001-10-11 2010-07-06 Ebay Inc. System and method to facilitate translation of communications between entities over a network
AU2002340207B2 (en) 2001-10-17 2008-07-31 Npx Technologies Ltd. Verification of a person identifier received online
US7873551B2 (en) 2001-10-19 2011-01-18 U-Haul International, Inc. Method and apparatus for payment retrieval and review collection
US7487111B2 (en) * 2001-10-19 2009-02-03 U-Haul International, Inc. Online marketplace for moving and relocation services
US8756155B2 (en) * 2001-10-24 2014-06-17 Harris Technology, Llc Web based communication of information with reconfigurable format
US20090106251A1 (en) 2001-10-24 2009-04-23 Harris Scott C Web based communication of information with reconfigurable format
US8374962B2 (en) 2001-10-26 2013-02-12 First Data Corporation Stored value payouts
JP4492914B2 (en) * 2001-10-26 2010-06-30 富士通株式会社 Transaction management method and program
US8244632B2 (en) * 2001-10-26 2012-08-14 First Data Corporation Automated transfer with stored value
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
CA2466071C (en) 2001-11-01 2016-04-12 Bank One, Delaware, N.A. System and method for establishing or modifying an account with user selectable terms
US6670569B2 (en) 2001-11-08 2003-12-30 First Data Corporation Mail handling equipment and methods
US20030093372A1 (en) * 2001-11-13 2003-05-15 International Business Machines Corporation Customizable offline payment plug-in for payment server
US20030101126A1 (en) * 2001-11-13 2003-05-29 Cheung Dominic Dough-Ming Position bidding in a pay for placement database search system
US6826572B2 (en) 2001-11-13 2004-11-30 Overture Services, Inc. System and method allowing advertisers to manage search listings in a pay for placement search system using grouping
US7184980B2 (en) * 2001-11-15 2007-02-27 First Data Corporation Online incremental payment method
KR20030042203A (en) * 2001-11-22 2003-05-28 주식회사 비즈모델라인 Method for Billing and Buying the Merchandise by Sending the Purchasing Information
US7987501B2 (en) 2001-12-04 2011-07-26 Jpmorgan Chase Bank, N.A. System and method for single session sign-on
FR2833127B1 (en) * 2001-12-05 2004-04-02 Mobileway METHOD FOR EXCHANGING DATA RELATING TO AN ELECTRIC TRANSACTION
US7805376B2 (en) * 2002-06-14 2010-09-28 American Express Travel Related Services Company, Inc. Methods and apparatus for facilitating a transaction
US7577585B2 (en) * 2001-12-07 2009-08-18 American Express Travel Related Services Company, Inc. Method and system for completing transactions involving partial shipments
US20090177563A1 (en) * 2001-12-07 2009-07-09 American Express Travel Related Services Company, Inc. Authorization refresh system and method
US6901387B2 (en) * 2001-12-07 2005-05-31 General Electric Capital Financial Electronic purchasing method and apparatus for performing the same
US20030163417A1 (en) * 2001-12-19 2003-08-28 First Data Corporation Methods and systems for processing transaction requests
US20030120553A1 (en) * 2001-12-21 2003-06-26 Bell Canada Method and apparatus for vending and delivering telephone services
US20030220866A1 (en) * 2001-12-28 2003-11-27 Findwhat.Com System and method for pay for performand advertising in general media
US20030130900A1 (en) * 2002-01-10 2003-07-10 Telford Ian G. Internet-based system and method for electronically fulfilling purchase orders for chemical and plastic products
US20030135429A1 (en) * 2002-01-11 2003-07-17 Jean-Luc Pous Custom engineered product system and process
US20030135421A1 (en) * 2002-01-14 2003-07-17 Cales Shelia F. Buyer protection service
US7627521B1 (en) 2002-01-15 2009-12-01 Jpmorgan Chase Bank, N.A. System and method for processing mircotransactions
AU2003212867A1 (en) * 2002-01-30 2003-09-02 Mastercard International Incorporated System and method for conducting secure payment transaction
US20050240491A1 (en) * 2002-01-31 2005-10-27 Jeff Greenberg E-mail launched Web transaction
US20030144913A1 (en) * 2002-01-31 2003-07-31 Greenberg Jeffrey Douglas E-mail launched web transaction
US7653569B1 (en) * 2002-02-06 2010-01-26 At&T Intellectual Property I, L.P. Systems and methods for delivering advertisements
US7428531B2 (en) 2002-02-06 2008-09-23 Jpmorgan Chase Bank, N.A. Customer information management system and method
US7596529B2 (en) 2002-02-13 2009-09-29 First Data Corporation Buttons for person to person payments
US7343325B2 (en) * 2002-02-15 2008-03-11 Teranet Enterprises Ltd. Method and system for constructing price structures for complex products and services
US7941533B2 (en) 2002-02-19 2011-05-10 Jpmorgan Chase Bank, N.A. System and method for single sign-on session management without central server
US7110987B2 (en) * 2002-02-22 2006-09-19 At&T Wireless Services, Inc. Secure online purchasing
US7007000B2 (en) * 2002-02-22 2006-02-28 At&T Wireless Services, Inc. Secure online purchasing
US20030163418A1 (en) * 2002-02-27 2003-08-28 Audrey Marks Third party real-time multi-payment and remittance system
US7725404B2 (en) * 2002-02-27 2010-05-25 Imagineer Software, Inc. Secure electronic commerce using mutating identifiers
US20040249735A1 (en) * 2002-03-14 2004-12-09 Cassani Michael Joseph Charitable investment fund
US20030177084A1 (en) * 2002-03-14 2003-09-18 Cassani Michael J. Charitable investment fund
US7899753B1 (en) 2002-03-25 2011-03-01 Jpmorgan Chase Bank, N.A Systems and methods for time variable financial authentication
US20030187778A1 (en) * 2002-03-27 2003-10-02 First Data Corporation Merchant application and underwriting systems and methods
US7487127B2 (en) 2002-03-27 2009-02-03 First Data Corporation Merchant cash payment systems and methods
CA2480514A1 (en) * 2002-03-27 2003-10-09 First Data Corporation Worldwide cash vendor payment
US8407143B2 (en) * 2002-03-27 2013-03-26 The Western Union Company International negotiable instrument payment
KR100908756B1 (en) * 2002-04-01 2009-07-22 야후! 인크. Displaying paid search listings in proportion to advertiser spending
US7707120B2 (en) 2002-04-17 2010-04-27 Visa International Service Association Mobile account authentication service
US7200577B2 (en) 2002-05-01 2007-04-03 America Online Incorporated Method and apparatus for secure online transactions
US7054857B2 (en) * 2002-05-08 2006-05-30 Overture Services, Inc. Use of extensible markup language in a system and method for influencing a position on a search result list generated by a computer network search engine
AU2003228985A1 (en) * 2002-05-09 2003-11-11 Kestrel Wireless, Inc. Method and system for enabling electronic transactions via a personal device
US8260786B2 (en) * 2002-05-24 2012-09-04 Yahoo! Inc. Method and apparatus for categorizing and presenting documents of a distributed database
US7231395B2 (en) * 2002-05-24 2007-06-12 Overture Services, Inc. Method and apparatus for categorizing and presenting documents of a distributed database
US7689482B2 (en) 2002-05-24 2010-03-30 Jp Morgan Chase Bank, N.A. System and method for payer (buyer) defined electronic invoice exchange
US20030220863A1 (en) 2002-05-24 2003-11-27 Don Holm System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms
US7263347B2 (en) * 2002-05-24 2007-08-28 Cingular Wireless Ii, Llc Biometric authentication of a wireless device user
US7014104B2 (en) * 2002-05-31 2006-03-21 First Data Corporation Gift matching method
US20030222136A1 (en) * 2002-05-31 2003-12-04 First Data Corporation Stored value education account
US20030229541A1 (en) * 2002-06-10 2003-12-11 First Data Corporation Methods and systems for reconciliation of discount certificates
US20030229539A1 (en) * 2002-06-10 2003-12-11 First Data Corporation Rebate issuance system and methods
US20030225694A1 (en) * 2002-06-04 2003-12-04 First Data Corporation Intra-organization negotiable instrument production and messaging
US8370205B2 (en) 2003-10-28 2013-02-05 First Data Corporation System for activation of multiple cards
US8554614B2 (en) 2002-06-10 2013-10-08 First Data Corporation Methods and systems for bulk activation of multiple, disparate stored value accounts
US8078505B2 (en) 2002-06-10 2011-12-13 Ebay Inc. Method and system for automatically updating a seller application utilized in a network-based transaction facility
AU2003243516B2 (en) * 2002-06-11 2009-03-19 First Data Corporation Value processing network and methods
JP2005530254A (en) * 2002-06-18 2005-10-06 ノキア コーポレイション A method for depositing credits into an account associated with a terminal subscribed to a communication network
US20040019644A1 (en) * 2002-07-25 2004-01-29 International Business Machines Corporation Dissemination control of email text
US6968175B2 (en) * 2002-08-13 2005-11-22 Nokia Corporation Method and system for sharing transmission revenue between mobile operators and content providers
US10395484B2 (en) * 2002-08-20 2019-08-27 The Western Union Company Multi-purpose kiosk and methods
US7555485B2 (en) 2002-08-22 2009-06-30 Yahoo! Inc. System and method for conducting an auction-based ranking of search results on a computer network
US7370035B2 (en) * 2002-09-03 2008-05-06 Idealab Methods and systems for search indexing
SG152061A1 (en) * 2002-09-10 2009-05-29 Visa Int Service Ass Data authentication and provisioning method and system
US6805287B2 (en) 2002-09-12 2004-10-19 American Express Travel Related Services Company, Inc. System and method for converting a stored value card to a credit card
CA2406105A1 (en) * 2002-09-30 2004-03-30 Canadian National Railway Company Method and system for generating account reconciliation data
US7058660B2 (en) 2002-10-02 2006-06-06 Bank One Corporation System and method for network-based project management
US7707140B2 (en) * 2002-10-09 2010-04-27 Yahoo! Inc. Information retrieval system and method employing spatially selective features
US8301493B2 (en) 2002-11-05 2012-10-30 Jpmorgan Chase Bank, N.A. System and method for providing incentives to consumers to share information
US8032452B2 (en) 2002-11-06 2011-10-04 The Western Union Company Multiple-entity transaction systems and methods
US20060036544A1 (en) * 2002-11-18 2006-02-16 Pal Dharam On-line payment method
US7769650B2 (en) 2002-12-03 2010-08-03 Jp Morgan Chase Bank Network-based sub-allocation systems and methods for swaps
US20040128256A1 (en) * 2002-12-04 2004-07-01 Krouse Wayne F. Remote location credit card transaction system with card present security system
US9740988B1 (en) 2002-12-09 2017-08-22 Live Nation Entertainment, Inc. System and method for using unique device indentifiers to enhance security
US9477820B2 (en) 2003-12-09 2016-10-25 Live Nation Entertainment, Inc. Systems and methods for using unique device identifiers to enhance security
US10366373B1 (en) 2002-12-09 2019-07-30 Live Nation Entertainment, Incorporated Apparatus for access control and processing
US7571140B2 (en) * 2002-12-16 2009-08-04 First Data Corporation Payment management
US7904346B2 (en) 2002-12-31 2011-03-08 Ebay Inc. Method and system to adjust a seller fixed price offer
US7593866B2 (en) 2002-12-31 2009-09-22 Ebay Inc. Introducing a fixed-price transaction mechanism in conjunction with an auction transaction mechanism
US7827101B2 (en) 2003-01-10 2010-11-02 First Data Corporation Payment system clearing for transactions
US7003493B2 (en) * 2003-01-22 2006-02-21 First Data Corporation Direct payment with token
US20040159699A1 (en) * 2003-02-19 2004-08-19 First Data Corporation Peripheral point-of-sale systems and methods of using such
US20040177014A1 (en) * 2003-03-05 2004-09-09 First Data Corporation Systems and methods for ordering and distributing redemption instruments
US7627640B2 (en) * 2003-03-17 2009-12-01 Epostal Services, Inc. Messaging and document management system and method
MXPA05008750A (en) * 2003-03-17 2005-09-20 Epostal Services Inc Messaging and document management system and method.
US10311412B1 (en) 2003-03-28 2019-06-04 Jpmorgan Chase Bank, N.A. Method and system for providing bundled electronic payment and remittance advice
US8606860B2 (en) * 2003-03-31 2013-12-10 Affini, Inc. System and method for providing filtering email messages
US8353763B2 (en) 2003-03-31 2013-01-15 Cantor Index, Llc System and method for betting on a participant in a group of events
US20040193691A1 (en) * 2003-03-31 2004-09-30 Chang William I. System and method for providing an open eMail directory
NL1023068C2 (en) * 2003-04-01 2004-10-04 Cooeperatieve Centrale Raiffei System for handling electronic transactions via a network.
US8630947B1 (en) 2003-04-04 2014-01-14 Jpmorgan Chase Bank, N.A. Method and system for providing electronic bill payment and presentment
US9881308B2 (en) 2003-04-11 2018-01-30 Ebay Inc. Method and system to facilitate an online promotion relating to a network-based marketplace
WO2004090678A2 (en) 2003-04-11 2004-10-21 Cantor Index Llc Lottery and auction based tournament entry exchange platform
US20040215574A1 (en) 2003-04-25 2004-10-28 First Data Corporation Systems and methods for verifying identities in transactions
US8160933B2 (en) * 2003-04-30 2012-04-17 Ebay Inc. Method and system to automate payment for a commerce transaction
US7895119B2 (en) * 2003-05-13 2011-02-22 Bank Of America Corporation Method and system for pushing credit payments as buyer initiated transactions
US20050010563A1 (en) * 2003-05-15 2005-01-13 William Gross Internet search application
US8306907B2 (en) 2003-05-30 2012-11-06 Jpmorgan Chase Bank N.A. System and method for offering risk-based interest rates in a credit instrument
US7870066B2 (en) 2003-06-06 2011-01-11 Ebay Inc. Automatic dispute resolution
US7765153B2 (en) * 2003-06-10 2010-07-27 Kagi, Inc. Method and apparatus for verifying financial account information
US7742985B1 (en) 2003-06-26 2010-06-22 Paypal Inc. Multicurrency exchanges between participants of a network-based transaction facility
US8666855B2 (en) * 2003-06-30 2014-03-04 Plati Networking, Llc System and method for a payment system directory
US7908215B2 (en) 2003-06-30 2011-03-15 American Express Travel Related Services Company, Inc. System and method for selection of payment systems from a payment system directory to process a transaction
US8239273B1 (en) 2003-09-24 2012-08-07 SuperMedia LLC Integrated pay per click and pay per call listings
US7050990B1 (en) * 2003-09-24 2006-05-23 Verizon Directories Corp. Information distribution system
US7974878B1 (en) 2003-09-24 2011-07-05 SuperMedia LLC Information distribution system and method that provides for enhanced display formats
US7822661B1 (en) 2003-09-24 2010-10-26 SuperMedia LLC Information distribution system and method utilizing a position adjustment factor
US7689466B1 (en) 2003-09-24 2010-03-30 SuperMedia LLC Dynamic pay per call listings
US7516086B2 (en) 2003-09-24 2009-04-07 Idearc Media Corp. Business rating placement heuristic
US8712919B1 (en) 2003-10-03 2014-04-29 Ebay Inc. Methods and systems for determining the reliability of transaction
US8190893B2 (en) 2003-10-27 2012-05-29 Jp Morgan Chase Bank Portable security transaction protocol
US7792717B1 (en) 2003-10-31 2010-09-07 Jpmorgan Chase Bank, N.A. Waterfall prioritized payment processing
US7702577B1 (en) 2003-11-06 2010-04-20 Jp Morgan Chase Bank, N.A. System and method for conversion of initial transaction to final transaction
US7814003B2 (en) 2003-12-15 2010-10-12 Jp Morgan Chase Billing workflow system for crediting charges to entities creating derivatives exposure
US7608776B2 (en) * 2003-12-15 2009-10-27 Ludwig Lester F Modular structures facilitating field-customized floor controllers
US8078483B1 (en) 2003-12-16 2011-12-13 Ticketmaster Systems and methods for queuing access to network resources
US7831519B2 (en) * 2003-12-17 2010-11-09 First Data Corporation Methods and systems for electromagnetic initiation of secure transactions
US7567931B2 (en) 2004-01-16 2009-07-28 Bgc Partners, Inc. System and method for forming a financial instrument indexed to entertainment revenue
US7698198B2 (en) 2004-01-16 2010-04-13 Bgc Partners, Inc. System and method for purchasing a financial instrument indexed to entertainment revenue
US20050177510A1 (en) * 2004-02-09 2005-08-11 Visa International Service Association, A Delaware Corporation Buyer initiated payment
US20100287092A1 (en) * 2004-02-25 2010-11-11 Bank One, Delaware National Association Method and system for real estate loan administration
US7380707B1 (en) 2004-02-25 2008-06-03 Jpmorgan Chase Bank, N.A. Method and system for credit card reimbursements for health care transactions
US8245939B2 (en) 2004-02-26 2012-08-21 Ifuel Llc Investing funds from pre-paid payment accounts
US7873572B2 (en) * 2004-02-26 2011-01-18 Reardon David C Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
US8799164B2 (en) 2004-02-26 2014-08-05 David C Reardon Financial transaction system with integrated electronic messaging, control of marketing data, and user defined charges for receiving messages
US7478747B2 (en) * 2004-02-26 2009-01-20 William Call Retail sales and dispensing fuel management system
US20090119159A1 (en) * 2007-10-31 2009-05-07 David C. Reardon System and Method for Transferring Funds to Recipients of Electronic Messages
US8100332B2 (en) * 2004-02-26 2012-01-24 Ifuel, Llc Payments using pre-paid accounts
US8346660B2 (en) * 2004-02-26 2013-01-01 David C. Reardon System and method for two-way transfer of funds and electronic content between summa account users with gathering of behavioral metrics and management of multiple currencies and escrow accounts
US7600692B2 (en) * 2004-02-26 2009-10-13 William Call Systems and methods for managing and using prepaid purchasing accounts
US8055553B1 (en) 2006-01-19 2011-11-08 Verizon Laboratories Inc. Dynamic comparison text functionality
US7413112B2 (en) 2004-03-16 2008-08-19 American Express Travel Related Services Company, Inc. Method and system for manual authorization
US7584123B1 (en) 2004-04-06 2009-09-01 Ticketmaster Systems for dynamically allocating finite or unique resources
US8175938B2 (en) 2004-04-13 2012-05-08 Ebay Inc. Method and system for facilitating merchant-initiated online payments
US7742997B1 (en) 2004-04-23 2010-06-22 Jpmorgan Chase Bank, N.A. System and method for management and delivery of content and rules
US8762283B2 (en) 2004-05-03 2014-06-24 Visa International Service Association Multiple party benefit from an online authentication service
US7707110B2 (en) * 2004-05-04 2010-04-27 First Data Corporation System and method for conducting transactions with different forms of payment
US9542671B2 (en) * 2004-05-12 2017-01-10 Paypal, Inc. Method and system to facilitate securely processing a payment for an online transaction
US20050254100A1 (en) * 2004-05-17 2005-11-17 Venali, Inc. Ticket exchange for combating fax spam
US7472827B2 (en) 2004-05-17 2009-01-06 American Express Travel Related Services Company, Inc. Limited use PIN system and method
US8571977B2 (en) 2004-06-17 2013-10-29 Visa International Service Association Method and system for providing seller bank receivable discounting aggregation services
US8554673B2 (en) 2004-06-17 2013-10-08 Jpmorgan Chase Bank, N.A. Methods and systems for discounts management
US7219832B2 (en) 2004-06-17 2007-05-22 First Data Corporation ATM machine and methods with currency conversion capabilities
US8121944B2 (en) 2004-06-24 2012-02-21 Jpmorgan Chase Bank, N.A. Method and system for facilitating network transaction processing
US7314164B2 (en) * 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. System for biometric security using a smartcard
US7314165B2 (en) * 2004-07-01 2008-01-01 American Express Travel Related Services Company, Inc. Method and system for smellprint recognition biometrics on a smartcard
US7341181B2 (en) 2004-07-01 2008-03-11 American Express Travel Related Services Company, Inc. Method for biometric security using a smartcard
US7363504B2 (en) 2004-07-01 2008-04-22 American Express Travel Related Services Company, Inc. Method and system for keystroke scan recognition biometrics on a smartcard
US7318550B2 (en) * 2004-07-01 2008-01-15 American Express Travel Related Services Company, Inc. Biometric safeguard method for use with a smartcard
US7325724B2 (en) 2004-07-01 2008-02-05 American Express Travel Related Services Company, Inc. Method for registering a biometric for use with a smartcard
US8996481B2 (en) 2004-07-02 2015-03-31 Goldman, Sach & Co. Method, system, apparatus, program code and means for identifying and extracting information
US8442953B2 (en) 2004-07-02 2013-05-14 Goldman, Sachs & Co. Method, system, apparatus, program code and means for determining a redundancy of information
US8762191B2 (en) 2004-07-02 2014-06-24 Goldman, Sachs & Co. Systems, methods, apparatus, and schema for storing, managing and retrieving information
US8510300B2 (en) 2004-07-02 2013-08-13 Goldman, Sachs & Co. Systems and methods for managing information associated with legal, compliance and regulatory risk
US20060015452A1 (en) * 2004-07-14 2006-01-19 Mani Kulasooriya Systems and methods for implementing account-to-account international money exchanges
US20060015453A1 (en) * 2004-07-14 2006-01-19 Mani Kulasooriya Systems and methods for implementing person-to-person international money exchanges
US7856384B1 (en) * 2004-07-14 2010-12-21 Yahoo! Inc. Systems and methods for providing security in international money exchanges
US7529706B2 (en) * 2004-07-14 2009-05-05 Yahoo! Inc. Systems and methods for performing international money exchanges
US8682784B2 (en) * 2004-07-16 2014-03-25 Ebay, Inc. Method and system to process credit card payment transactions initiated by a merchant
WO2006019368A2 (en) * 2004-07-16 2006-02-23 Ebay Inc. Method and system to process credit card payment transactions initiated by a merchant
US8290863B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US8290862B2 (en) 2004-07-23 2012-10-16 Jpmorgan Chase Bank, N.A. Method and system for expediting payment delivery
US20060026097A1 (en) * 2004-07-30 2006-02-02 Kagi, Inc. Method and apparatus for verifying a financial instrument
US20060047643A1 (en) * 2004-08-31 2006-03-02 Chirag Chaman Method and system for a personalized search engine
US20080282331A1 (en) * 2004-10-08 2008-11-13 Advanced Network Technology Laboratories Pte Ltd User Provisioning With Multi-Factor Authentication
US8152054B2 (en) 2004-10-19 2012-04-10 The Western Union Company Money transfer systems and methods
US7641109B2 (en) 2005-05-18 2010-01-05 The Western Union Company Money transfer cards, systems and methods
US7813982B2 (en) * 2004-11-08 2010-10-12 First Data Corporation Unit-based prepaid presentation instrument accounts and methods
EP1657672A1 (en) * 2004-11-10 2006-05-17 Sony Deutschland GmbH Method for providing digital payload data
WO2006055002A1 (en) * 2004-11-17 2006-05-26 Byz Tek Inc. System and method for conducting secure commercial order transactions
US20060179879A1 (en) * 2004-12-29 2006-08-17 Ellison Adam J G Adjusting expansivity in doped silica glasses
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US7983468B2 (en) 2005-02-09 2011-07-19 Jp Morgan Chase Bank Method and system for extracting information from documents by document segregation
EP1866885A4 (en) 2005-03-22 2011-12-21 Ticketmaster Apparatus and methods for providing queue messaging over a network
US9608929B2 (en) 2005-03-22 2017-03-28 Live Nation Entertainment, Inc. System and method for dynamic queue management using queue protocols
US20140379390A1 (en) 2013-06-20 2014-12-25 Live Nation Entertainment, Inc. Location-based presentations of ticket opportunities
US9762685B2 (en) 2005-04-27 2017-09-12 Live Nation Entertainment, Inc. Location-based task execution for enhanced data access
US7360686B2 (en) 2005-05-11 2008-04-22 Jp Morgan Chase Bank Method and system for discovering significant subsets in collection of documents
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
US7392940B2 (en) 2005-05-18 2008-07-01 The Western Union Company In-lane money transfer systems and methods
US7822682B2 (en) 2005-06-08 2010-10-26 Jpmorgan Chase Bank, N.A. System and method for enhancing supply chain transactions
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
US8185877B1 (en) 2005-06-22 2012-05-22 Jpmorgan Chase Bank, N.A. System and method for testing applications
US20070011044A1 (en) * 2005-07-06 2007-01-11 First Data Corporation Discount applications with registered payment instruments
US9235841B2 (en) * 2005-07-22 2016-01-12 Gtj Ventures, Llc Transaction security apparatus and method
US9245270B2 (en) * 2005-07-22 2016-01-26 Gtj Ventures, Llc Transaction security apparatus and method
US9911124B2 (en) * 2005-07-22 2018-03-06 Gtj Ventures, Llc Transaction security apparatus and method
US20070027751A1 (en) * 2005-07-29 2007-02-01 Chad Carson Positioning advertisements on the bases of expected revenue
US7354004B2 (en) 2005-08-23 2008-04-08 The Western Union Company Presentation instrument display and activation systems and methods
US7588181B2 (en) 2005-09-07 2009-09-15 Ty Shipman Method and apparatus for verifying the legitamacy of a financial instrument
US9432468B2 (en) 2005-09-14 2016-08-30 Liveperson, Inc. System and method for design and dynamic generation of a web page
US8738732B2 (en) 2005-09-14 2014-05-27 Liveperson, Inc. System and method for performing follow up based on user interactions
US8583926B1 (en) 2005-09-19 2013-11-12 Jpmorgan Chase Bank, N.A. System and method for anti-phishing authentication
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
US7828204B2 (en) * 2006-02-01 2010-11-09 Mastercard International Incorporated Techniques for authorization of usage of a payment device
AU2007212489B2 (en) 2006-02-07 2013-01-31 Ticketmaster Methods and systems for reducing burst usage of a networked computer system
US8345931B2 (en) 2006-02-10 2013-01-01 The Western Union Company Biometric based authorization systems for electronic fund transfers
US8095423B2 (en) * 2006-03-17 2012-01-10 Grant Allen Lee Nichols Interactive international bulk trade television
US20070244831A1 (en) * 2006-04-18 2007-10-18 Kuo James Shaw-Han System and method for secure online transaction
CN101467173A (en) 2006-05-09 2009-06-24 票务专家公司 Apparatus for access control and processing
US20070265744A1 (en) * 2006-05-12 2007-11-15 Electronic Data Systems Corporation Vehicle information system and method
US8668146B1 (en) 2006-05-25 2014-03-11 Sean I. Mcghie Rewards program with payment artifact permitting conversion/transfer of non-negotiable credits to entity independent funds
US10062062B1 (en) 2006-05-25 2018-08-28 Jbshbm, Llc Automated teller machine (ATM) providing money for loyalty points
US9704174B1 (en) 2006-05-25 2017-07-11 Sean I. Mcghie Conversion of loyalty program points to commerce partner points per terms of a mutual agreement
US7703673B2 (en) 2006-05-25 2010-04-27 Buchheit Brian K Web based conversion of non-negotiable credits associated with an entity to entity independent negotiable funds
US8684265B1 (en) 2006-05-25 2014-04-01 Sean I. Mcghie Rewards program website permitting conversion/transfer of non-negotiable credits to entity independent funds
US7734545B1 (en) 2006-06-14 2010-06-08 Jpmorgan Chase Bank, N.A. Method and system for processing recurring payments
US20070299774A1 (en) * 2006-06-22 2007-12-27 First Data Corporation System and method for card not present transactions
US7540408B2 (en) * 2006-06-22 2009-06-02 Hip Consult Inc. Apparatus and method for facilitating money or value transfer
US8793490B1 (en) 2006-07-14 2014-07-29 Jpmorgan Chase Bank, N.A. Systems and methods for multifactor authentication
US8639782B2 (en) 2006-08-23 2014-01-28 Ebay, Inc. Method and system for sharing metadata between interfaces
GB0617454D0 (en) * 2006-09-06 2006-10-18 Guaranteed Markets Ltd Apparatus & method for prioritising sellers in electronic markets
US8473384B2 (en) * 2006-09-19 2013-06-25 Lee H. Stein Investment model for formation of capital and value creation
US20080097897A1 (en) * 2006-10-20 2008-04-24 Tsys Acquiring Solutions, L.L.C. System and Method of Express Creation and Initialization of Merchant Accounts
US20080103966A1 (en) * 2006-10-31 2008-05-01 Chuck Foster System and/or method for dynamic determination of transaction processing fees
US8060437B2 (en) 2006-10-31 2011-11-15 International Funding Partners Llc Automatic termination of electronic transactions
US7606766B2 (en) * 2006-12-21 2009-10-20 American Express Travel Related Services Company, Inc. Computer system and computer-implemented method for selecting invoice settlement options
US7637427B2 (en) * 2006-12-22 2009-12-29 Sap Ag Shared financial service systems and methods
US8606670B2 (en) * 2007-01-02 2013-12-10 First Data Corporation Integrated communication solution
EP2118837A4 (en) 2007-01-09 2012-07-11 Visa Usa Inc Mobile phone payment process including threshold indicator
US7933835B2 (en) 2007-01-17 2011-04-26 The Western Union Company Secure money transfer systems and methods using biometric keys associated therewith
US8818904B2 (en) 2007-01-17 2014-08-26 The Western Union Company Generation systems and methods for transaction identifiers having biometric keys associated therewith
US9990617B2 (en) * 2007-01-25 2018-06-05 Sony Corporation Consumer opt-in to information sharing at point of sale
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
US9524496B2 (en) * 2007-03-19 2016-12-20 Hugo Olliphant Micro payments
US8504473B2 (en) 2007-03-28 2013-08-06 The Western Union Company Money transfer system and messaging system
US20110320347A1 (en) * 2007-03-30 2011-12-29 Obopay, Inc. Mobile Networked Payment System
US8768828B2 (en) * 2007-04-03 2014-07-01 Ebay Inc. Method and apparatus for processing on-line donations
WO2008131010A1 (en) 2007-04-16 2008-10-30 Cfph, Llc Box office game
US20100106581A1 (en) * 2007-04-17 2010-04-29 American Express Travel Related Services Company Inc. System and method for enabling registration, determination and distribution of positive behavior incentives
US20100106585A1 (en) * 2007-04-17 2010-04-29 American Express Travel Related Services Company, Inc. System and method for evaluating positive behavior and offering incentives based upon limited use identifier transactions
US20100106579A1 (en) * 2007-04-17 2010-04-29 American Express Travel Related Services Company, Inc. System and method for determining consumer incentives based upon positive consumer behavior
US20080288376A1 (en) 2007-04-27 2008-11-20 Cashedge, Inc. Centralized payment hub method and system
US8473735B1 (en) 2007-05-17 2013-06-25 Jpmorgan Chase Systems and methods for managing digital certificates
US7783571B2 (en) 2007-05-31 2010-08-24 First Data Corporation ATM system for receiving cash deposits from non-networked clients
DE602007012538D1 (en) * 2007-07-27 2011-03-31 Ntt Docomo Inc Method and apparatus for performing delegated transactions
US20090036103A1 (en) 2007-07-30 2009-02-05 First Data Corporation Mobile communication systems and methods for redeeming and reporting coupons
CA2929769C (en) 2007-08-07 2019-04-30 Ticketmaster, Llc Systems and methods for providing resource allocation in a networked environment
US8762270B1 (en) 2007-08-10 2014-06-24 Jpmorgan Chase Bank, N.A. System and method for providing supplemental payment or transaction information
US8660966B2 (en) 2007-08-31 2014-02-25 Microsoft Corporation Payment system and method
US9807096B2 (en) 2014-12-18 2017-10-31 Live Nation Entertainment, Inc. Controlled token distribution to protect against malicious data and resource access
US20090094313A1 (en) * 2007-10-03 2009-04-09 Jay Feng System, method, and computer program product for sending interactive requests for information
US8565723B2 (en) * 2007-10-17 2013-10-22 First Data Corporation Onetime passwords for mobile wallets
US8095113B2 (en) * 2007-10-17 2012-01-10 First Data Corporation Onetime passwords for smart chip cards
US8311937B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Client supported multiple payment methods system
US8311914B2 (en) 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity for account payables processing using multiple payment methods
US8407141B2 (en) * 2007-10-30 2013-03-26 Visa U.S.A. Inc. System and method for processing multiple methods of payment
US20090112759A1 (en) * 2007-10-30 2009-04-30 Chuck Foster Accumulated transactions
US8311913B2 (en) * 2007-10-30 2012-11-13 Visa U.S.A. Inc. Payment entity account set up for multiple payment methods
US8341046B2 (en) * 2007-10-30 2012-12-25 Visa U.S.A. Inc. Payment entity device reconciliation for multiple payment methods
US8374932B2 (en) 2007-10-30 2013-02-12 Visa U.S.A. Inc. Payment entity device transaction processing using multiple payment methods
US9799028B2 (en) * 2007-11-30 2017-10-24 U.S. Bank National Association Seller routing arrangements and methods for disparate network systems
US8788281B1 (en) 2007-12-03 2014-07-22 Jp Morgan Chase Bank, N.A. System and method for processing qualified healthcare account related financial transactions
US7766244B1 (en) 2007-12-31 2010-08-03 Jpmorgan Chase Bank, N.A. System and method for processing transactions using a multi-account transactions device
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
US8321682B1 (en) 2008-01-24 2012-11-27 Jpmorgan Chase Bank, N.A. System and method for generating and managing administrator passwords
US8401960B2 (en) * 2008-03-05 2013-03-19 Walter H. Pinson, Iii Online credit escrow service
US7707089B1 (en) 2008-03-12 2010-04-27 Jpmorgan Chase, N.A. Method and system for automating fraud authorization strategies
US20090254428A1 (en) * 2008-04-03 2009-10-08 First Data Corporation Systems and methods for delivering advertising content to point of sale devices
US20090283587A1 (en) * 2008-05-15 2009-11-19 Dibello Anthony Charitable gift giving system and method
US20090288012A1 (en) 2008-05-18 2009-11-19 Zetawire Inc. Secured Electronic Transaction System
US9569912B2 (en) 2008-06-26 2017-02-14 Shopatm Bv (Sarl) Article storage and retrieval apparatus and vending machine
US8626645B1 (en) * 2008-07-01 2014-01-07 Mortagage Grader, Inc. System and method for assessing mortgage broker and lender compliance
US8260846B2 (en) 2008-07-25 2012-09-04 Liveperson, Inc. Method and system for providing targeted content to a surfer
US8762313B2 (en) 2008-07-25 2014-06-24 Liveperson, Inc. Method and system for creating a predictive model for targeting web-page to a surfer
US8805844B2 (en) 2008-08-04 2014-08-12 Liveperson, Inc. Expert search
US20100042536A1 (en) * 2008-08-15 2010-02-18 Tim Thorson System and method of transferring funds
WO2010022109A1 (en) * 2008-08-18 2010-02-25 Cashedge, Inc. Money movement network hub system
CN101655948A (en) * 2008-08-20 2010-02-24 阿里巴巴集团控股有限公司 Online trading method and online trading system
US20100048226A1 (en) * 2008-08-20 2010-02-25 First Data Corporation Managing mobile marketing offers
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
US20100070876A1 (en) * 2008-09-18 2010-03-18 Pictela, Inc. Self-Replicating Rich Media Interface
US7860772B2 (en) * 2008-09-30 2010-12-28 Ebay, Inc. Funding on-line accounts
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
US9892417B2 (en) 2008-10-29 2018-02-13 Liveperson, Inc. System and method for applying tracing tools for network locations
US9652761B2 (en) 2009-01-23 2017-05-16 Boku, Inc. Systems and methods to facilitate electronic payments
US20100241519A1 (en) * 2009-02-22 2010-09-23 GreenReceipts, LLC Systems and methods for capturing and managing transactional data related to product and service sales
US9990623B2 (en) 2009-03-02 2018-06-05 Boku, Inc. Systems and methods to provide information
US8595098B2 (en) * 2009-03-18 2013-11-26 Network Merchants, Inc. Transmission of sensitive customer information during electronic-based transactions
US8346611B2 (en) * 2009-04-21 2013-01-01 First Data Corporation Systems and methods for pre-paid futures procurement
US20100274678A1 (en) * 2009-04-22 2010-10-28 Gofigure Payments, Llc Systems, methods and devices for facilitating mobile payments
US9235831B2 (en) 2009-04-22 2016-01-12 Gofigure Payments, Llc Mobile payment systems and methods
US8781931B1 (en) 2009-05-26 2014-07-15 Island Intellectual Property Llc Method and system for allocating deposits over a plurality of depository institutions
US9595028B2 (en) 2009-06-08 2017-03-14 Boku, Inc. Systems and methods to add funds to an account via a mobile communication device
US9608826B2 (en) 2009-06-29 2017-03-28 Jpmorgan Chase Bank, N.A. System and method for partner key management
US9697510B2 (en) 2009-07-23 2017-07-04 Boku, Inc. Systems and methods to facilitate retail transactions
US9519892B2 (en) 2009-08-04 2016-12-13 Boku, Inc. Systems and methods to accelerate transactions
US20130332327A1 (en) * 2009-09-11 2013-12-12 Masdar Institute Of Science And Technology Hybrid Energy Market and Currency System for Total Energy Management
US8370236B1 (en) 2009-11-24 2013-02-05 Island Intellectual Property Llc Method and system for allocating funds over a plurality of time deposit instruments in depository institutions
US8386381B1 (en) 2009-12-16 2013-02-26 Jpmorgan Chase Bank, N.A. Method and system for detecting, monitoring and addressing data compromises
US20110191247A1 (en) * 2010-01-29 2011-08-04 Ben Dominguez Authentication framework extension to verify identification information
US20110213707A1 (en) * 2010-03-01 2011-09-01 Fiserv, Inc. Systems and methods for facilitating person-to-person payments
US8447641B1 (en) 2010-03-29 2013-05-21 Jpmorgan Chase Bank, N.A. System and method for automatically enrolling buyers into a network
EP2556449A1 (en) 2010-04-07 2013-02-13 Liveperson Inc. System and method for dynamically enabling customized web content and applications
US8650071B2 (en) 2010-05-10 2014-02-11 First Data Corporation Mobile coupon analysis systems and methods
US9781170B2 (en) 2010-06-15 2017-10-03 Live Nation Entertainment, Inc. Establishing communication links using routing protocols
EP2583235A4 (en) 2010-06-15 2014-01-22 Ticketmaster L L C Methods and systems for computer aided event and venue setup and modeling and interactive maps
US10096161B2 (en) 2010-06-15 2018-10-09 Live Nation Entertainment, Inc. Generating augmented reality images using sensor and location data
US8590779B2 (en) 2010-06-29 2013-11-26 Visa International Service Association Value token conversion
US8554631B1 (en) 2010-07-02 2013-10-08 Jpmorgan Chase Bank, N.A. Method and system for determining point of sale authorization
US20120066120A1 (en) * 2010-09-09 2012-03-15 Boku, Inc. Systems and methods to process payments via a communication system
US8589288B1 (en) 2010-10-01 2013-11-19 Jpmorgan Chase Bank, N.A. System and method for electronic remittance of funds
US8516062B2 (en) 2010-10-01 2013-08-20 @Pay Ip Holdings Llc Storage, communication, and display of task-related data
US8918467B2 (en) 2010-10-01 2014-12-23 Clover Leaf Environmental Solutions, Inc. Generation and retrieval of report information
US8918465B2 (en) 2010-12-14 2014-12-23 Liveperson, Inc. Authentication of service requests initiated from a social networking site
US9350598B2 (en) 2010-12-14 2016-05-24 Liveperson, Inc. Authentication of service requests using a communications initiation feature
EP2469458A1 (en) 2010-12-21 2012-06-27 Peter Thomas Lawless A System to enable underage internet users execute internet payment transactions
US9367848B2 (en) 2010-12-27 2016-06-14 Stubhub, Inc. Dynamic interactive seat map
US10692081B2 (en) 2010-12-31 2020-06-23 Mastercard International Incorporated Local management of payment transactions
US9058591B2 (en) * 2011-03-29 2015-06-16 @Pay Ip Holdings Llc System and method for email-based donations
US8775263B2 (en) 2011-03-29 2014-07-08 @Pay Ip Holdings Llc System and method for email-based e-commerce
US8543503B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
US8543504B1 (en) 2011-03-30 2013-09-24 Jpmorgan Chase Bank, N.A. Systems and methods for automated invoice entry
US8543087B2 (en) 2011-04-26 2013-09-24 Boku, Inc. Systems and methods to facilitate repeated purchases
US9191217B2 (en) 2011-04-28 2015-11-17 Boku, Inc. Systems and methods to process donations
US9830622B1 (en) 2011-04-28 2017-11-28 Boku, Inc. Systems and methods to process donations
US20130030924A1 (en) 2011-07-28 2013-01-31 American Express Travel Related Services Company, Inc. Systems and methods for generating and using a digital pass
US20130046652A1 (en) 2011-08-18 2013-02-21 EasyGive LLC System and method for selectively providing information to internet users
US20130159195A1 (en) * 2011-12-16 2013-06-20 Rawllin International Inc. Authentication of devices
MX2014008472A (en) * 2012-01-11 2014-08-27 Mastercard International Inc Financial card method, device and system utilizing bar codes to identify transaction details.
US20140074282A1 (en) * 2012-01-26 2014-03-13 Progressive International Electronics, Inc. Multiplexing system for a fuel transaction environment
US9340405B2 (en) 2012-01-26 2016-05-17 Progressive International Electronics Inc. Fuel transaction tracking system
US8943002B2 (en) 2012-02-10 2015-01-27 Liveperson, Inc. Analytics driven engagement
US8805941B2 (en) 2012-03-06 2014-08-12 Liveperson, Inc. Occasionally-connected computing interface
US10318936B2 (en) 2012-03-07 2019-06-11 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
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
US9626664B2 (en) 2012-03-07 2017-04-18 Clearxchange, Llc System and method for transferring funds
US10395223B2 (en) 2012-03-07 2019-08-27 Early Warning Services, Llc System and method for transferring funds
US11593800B2 (en) 2012-03-07 2023-02-28 Early Warning Services, Llc System and method for transferring funds
CA2867697C (en) 2012-03-19 2022-03-29 Paynet Payments Network, Llc Systems and methods for real-time account access
US20130246296A1 (en) 2012-03-19 2013-09-19 @Pay LLC Method for processing multimodal mobile donations via text message and email communication
US10535064B2 (en) 2012-03-19 2020-01-14 Paynet Payments Network, Llc Systems and methods for real-time account access
US9563336B2 (en) 2012-04-26 2017-02-07 Liveperson, Inc. Dynamic user interface customization
US9785937B2 (en) 2012-04-30 2017-10-10 Paul Wickliffe Computer enabled methods and systems for facilitating micropayments via public networks
US9672196B2 (en) 2012-05-15 2017-06-06 Liveperson, Inc. Methods and systems for presenting specialized content using campaign metrics
US9710797B2 (en) 2012-07-18 2017-07-18 @Pay Ip Holdings Llc Email-based e-commerce
USD678653S1 (en) 2012-07-19 2013-03-19 Jpmorgan Chase Bank, N.A. Drive-up financial transaction machine
US9996862B2 (en) 2012-07-23 2018-06-12 @Pay Ip Holdings Llc Point of sale email-based e-commerce
US9704148B2 (en) 2012-07-27 2017-07-11 @Pay Ip Holdings Llc Email payment gateway for e-commerce
US9704184B2 (en) 2012-07-27 2017-07-11 @Pay Ip Holdings Llc Email payment gateway for donations
US20140040092A1 (en) * 2012-07-31 2014-02-06 Applied Academics Llc Methods and systems for creating a credit volatility index and trading derivative products based thereon
US20150235215A1 (en) * 2012-08-16 2015-08-20 Tango Mobile, LLC System and Method for Mobile or Web-Based Payment/Credential Process
US20140074688A1 (en) * 2012-09-13 2014-03-13 Rawllin International Inc. Behavioral based score
US10296968B2 (en) 2012-12-07 2019-05-21 United Parcel Service Of America, Inc. Website augmentation including conversion of regional content
US8762272B1 (en) 2012-12-27 2014-06-24 Google Inc. Management of emails containing payments
US10043181B2 (en) 2013-01-15 2018-08-07 Mastercard International Incorporated Systems and methods for processing off-network transaction messages
USD690074S1 (en) 2013-03-13 2013-09-17 Jpmorgan Chase Bank, N.A. Financial transaction machine
US9449321B2 (en) 2013-03-15 2016-09-20 Square, Inc. Transferring money using email
US9536232B2 (en) 2013-03-15 2017-01-03 Square, Inc. Transferring money using email
US9419957B1 (en) 2013-03-15 2016-08-16 Jpmorgan Chase Bank, N.A. Confidence-based authentication
US9659058B2 (en) 2013-03-22 2017-05-23 X1 Discovery, Inc. Methods and systems for federation of results from search indexing
US9880983B2 (en) 2013-06-04 2018-01-30 X1 Discovery, Inc. Methods and systems for uniquely identifying digital content for eDiscovery
US9165291B1 (en) 2013-10-15 2015-10-20 Square, Inc. Payment transaction by email
US9058626B1 (en) 2013-11-13 2015-06-16 Jpmorgan Chase Bank, N.A. System and method for financial services device usage
US10148726B1 (en) 2014-01-24 2018-12-04 Jpmorgan Chase Bank, N.A. Initiating operating system commands based on browser cookies
US11386442B2 (en) 2014-03-31 2022-07-12 Liveperson, Inc. Online behavioral predictor
US10346846B2 (en) 2014-04-24 2019-07-09 Swoop Ip Holdings Llc SMS and social media dual authorization, management oversight, and non-password security in email based e-commerce
US9965466B2 (en) 2014-07-16 2018-05-08 United Parcel Service Of America, Inc. Language content translation
US10346550B1 (en) 2014-08-28 2019-07-09 X1 Discovery, Inc. Methods and systems for searching and indexing virtual environments
US9607189B2 (en) 2015-01-14 2017-03-28 Tactilis Sdn Bhd Smart card system comprising a card and a carrier
US10395227B2 (en) 2015-01-14 2019-08-27 Tactilis Pte. Limited System and method for reconciling electronic transaction records for enhanced security
US10037528B2 (en) 2015-01-14 2018-07-31 Tactilis Sdn Bhd Biometric device utilizing finger sequence for authentication
US9805344B1 (en) 2015-01-23 2017-10-31 Island Intellectual Property, Llc Notification system and method
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
US10839359B2 (en) 2015-03-23 2020-11-17 Early Warning Services, Llc Payment real-time funds availability
US10769606B2 (en) 2015-03-23 2020-09-08 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
WO2016187662A1 (en) * 2015-05-25 2016-12-01 Isx Ip Ltd Secure payment
US10142908B2 (en) 2015-06-02 2018-11-27 Liveperson, Inc. Dynamic communication routing based on consistency weighting and routing rules
US11157884B2 (en) 2015-07-21 2021-10-26 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
US11062290B2 (en) 2015-07-21 2021-07-13 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
US11037121B2 (en) 2015-07-21 2021-06-15 Early Warning Services, Llc Secure real-time transactions
US10970695B2 (en) 2015-07-21 2021-04-06 Early Warning Services, Llc Secure real-time transactions
US10956888B2 (en) 2015-07-21 2021-03-23 Early Warning Services, Llc Secure real-time transactions
US11037122B2 (en) 2015-07-21 2021-06-15 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
US11151522B2 (en) 2015-07-21 2021-10-19 Early Warning Services, Llc Secure transactions with offline device
US10127532B1 (en) 2015-08-19 2018-11-13 Square, Inc. Customized transaction flow
US10410194B1 (en) 2015-08-19 2019-09-10 Square, Inc. Customized tipping flow
CN116528220A (en) 2016-08-14 2023-08-01 利维帕尔森有限公司 Method and system for real-time remote control of mobile applications
US20180060865A1 (en) * 2016-08-23 2018-03-01 Venuenext, Inc. Retrieving payment information for a user from an authentication server for use in purchase requests to vendors
US11144928B2 (en) 2016-09-19 2021-10-12 Early Warning Services, Llc Authentication and fraud prevention in provisioning a mobile wallet
US11599627B2 (en) 2018-12-03 2023-03-07 Bank Of America Corporation System employing smart device for secure and authenticated event execution
US11610260B1 (en) 2020-01-28 2023-03-21 Island Intellectual Property Llc System, method and program product to transfer, allocate and track ownership interests in aggregated accounts
WO2022177574A1 (en) * 2021-02-19 2022-08-25 Kaoshi Inc. Systems and methods for funds transfer account aggregator

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6246996B1 (en) * 1994-09-16 2001-06-12 Messagemedia, Inc. Computerized system for facilitating transactions between parties on the internet using e-mail
US7899712B2 (en) * 2000-03-17 2011-03-01 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility
US8255325B2 (en) * 2000-03-17 2012-08-28 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments

Family Cites Families (83)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4106060A (en) 1975-12-15 1978-08-08 Rca Corporation Electronic mail box
US4255796A (en) 1978-02-14 1981-03-10 Bell Telephone Laboratories, Incorporated Associative information retrieval continuously guided by search status feedback
US4386266A (en) 1980-02-11 1983-05-31 International Business Machines Corporation Method for operating a transaction execution system having improved verification of personal identification
US4326098A (en) 1980-07-02 1982-04-20 International Business Machines Corporation High security system for electronic signature verification
US4532554A (en) 1982-06-07 1985-07-30 Skala Stephen F Facsimile publishing system
US4528643A (en) * 1983-01-10 1985-07-09 Fpdc, Inc. System for reproducing information in material objects at a point of sale location
US4674066A (en) 1983-02-18 1987-06-16 Houghton Mifflin Company Textual database system using skeletonization and phonetic replacement to retrieve words matching or similar to query words
US4947430A (en) * 1987-11-23 1990-08-07 David Chaum Undeniable signature systems
US4759064A (en) * 1985-10-07 1988-07-19 Chaum David L Blind unanticipated signature systems
US4759063A (en) * 1983-08-22 1988-07-19 Chaum David L Blind signature systems
US4926480A (en) * 1983-08-22 1990-05-15 David Chaum Card-computer moderated systems
JPS619753A (en) 1984-06-26 1986-01-17 Hitachi Ltd Automatic registering method of frequent phrase for document processor
US4645873A (en) 1985-01-23 1987-02-24 Telecue Systems Transactional telecommunication system
US5043891A (en) 1985-08-16 1991-08-27 Wang Laboratories, Inc. Document generation apparatus and methods
US5319710A (en) 1986-08-22 1994-06-07 Tandem Computers Incorporated Method and means for combining and managing personal verification and message authentication encrytions for network transmission
US5230048A (en) 1986-09-03 1993-07-20 Wang Laboratories, Inc. Data processing system with tree and list data structure
US4799156A (en) * 1986-10-01 1989-01-17 Strategic Processing Corporation Interactive market management system
EP0265232A3 (en) 1986-10-20 1990-02-14 Book Data Limited Furnishing the identification of customers
US4914698A (en) * 1988-03-16 1990-04-03 David Chaum One-show blind signature systems
WO1989012938A1 (en) 1988-06-14 1989-12-28 Fujitsu Limited Response control system
US4947028A (en) * 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
JP2783558B2 (en) 1988-09-30 1998-08-06 株式会社東芝 Summary generation method and summary generation device
US4949380A (en) * 1988-10-20 1990-08-14 David Chaum Returned-value blind signature systems
US5084819A (en) 1988-11-10 1992-01-28 Response Technologies Inc. Data collection, analysis, and response system and method
US5093918A (en) 1988-12-22 1992-03-03 International Business Machines Corporation System using independent attribute lists to show status of shared mail object among respective users
US4960981A (en) 1989-01-17 1990-10-02 Moneyfax, Inc. Method of and system for electronic funds transfer via facsimile machines
US5303361A (en) 1989-01-18 1994-04-12 Lotus Development Corporation Search and retrieval system
US4989238A (en) 1989-02-21 1991-01-29 Light Ideas Incorporated Facsimile record and playback system
US4984178A (en) 1989-02-21 1991-01-08 Texas Instruments Incorporated Chart parser for stochastic unification grammar
US4932042A (en) 1989-03-03 1990-06-05 At&T Bell Laboratories Spontaneous voice and data messaging
US4941170A (en) 1989-03-20 1990-07-10 Tandem Computers Incorporated Facsimile transmissions system
US5181238A (en) 1989-05-31 1993-01-19 At&T Bell Laboratories Authenticated communications access service
US4996711A (en) * 1989-06-21 1991-02-26 Chaum David L Selected-exponent signature systems
US5122950A (en) 1989-11-02 1992-06-16 Moneyfax, Inc. Method of and system for electronic funds transfer via facsimile machines
US5220501A (en) * 1989-12-08 1993-06-15 Online Resources, Ltd. Method and system for remote delivery of retail banking services
EP0434588A3 (en) 1989-12-20 1993-01-20 International Business Machines Corporation Method of expanding user access to a library of shared electronic documents
US5222234A (en) 1989-12-28 1993-06-22 International Business Machines Corp. Combining search criteria to form a single search and saving search results for additional searches in a document interchange system
US5299255A (en) 1990-03-12 1994-03-29 Fujitsu Limited Electronic mail system for transmitting information via communication network
JPH03268062A (en) 1990-03-19 1991-11-28 Fujitsu Ltd Register for private use word in machine translation electronic mail device
JPH0418673A (en) 1990-05-11 1992-01-22 Hitachi Ltd Method and device for extracting text information
US5204961A (en) 1990-06-25 1993-04-20 Digital Equipment Corporation Computer network operating with multilevel hierarchical security with selectable common trust realms and corresponding security protocols
US5115326A (en) 1990-06-26 1992-05-19 Hewlett Packard Company Method of encoding an e-mail address in a fax message and routing the fax message to a destination on a network
JP2757231B2 (en) 1990-08-20 1998-05-25 富士通株式会社 Simultaneous reporting system billing method
US5193110A (en) 1990-10-09 1993-03-09 Boston Technology, Incorporated Integrated services platform for telephone communication system
US5247591A (en) 1990-10-10 1993-09-21 Interfax, Inc. Method and apparatus for the primary and secondary routing of fax mesages using hand printed characters
US5227893A (en) 1990-10-31 1993-07-13 International Business Machines Corporation Pseudo-bar code control of image transmission
US5255305A (en) 1990-11-01 1993-10-19 Voiceplex Corporation Integrated voice processing system
WO1992008198A1 (en) 1990-11-05 1992-05-14 Johnson & Quin, Inc. Document control and audit apparatus and method
CA2059078C (en) * 1991-02-27 1995-10-03 Alexander G. Fraser Mediation of transactions by a communications system
JP3077222B2 (en) 1991-03-19 2000-08-14 富士通株式会社 Linked mail system
JP2644096B2 (en) 1991-03-20 1997-08-25 富士通株式会社 Mail center management method
US5227778A (en) 1991-04-05 1993-07-13 Digital Equipment Corporation Service name to network address translation in communications network
US5241466A (en) 1991-06-26 1993-08-31 Perry Victor A System for administering a central depository for living wills and other associated information
US5265033A (en) 1991-09-23 1993-11-23 Atm Communications International, Inc. ATM/POS based electronic mail system
JP2751693B2 (en) 1991-11-11 1998-05-18 富士通株式会社 Multimedia mail device and multimedia information transfer method
US5557518A (en) * 1994-04-28 1996-09-17 Citibank, N.A. Trusted agents for open electronic commerce
US5263167A (en) 1991-11-22 1993-11-16 International Business Machines Corporation User interface for a relational database using a task object for defining search queries in response to a profile object which describes user proficiency
US5311438A (en) 1992-01-31 1994-05-10 Andersen Consulting Integrated manufacturing system
US5446759A (en) 1992-03-12 1995-08-29 Ntp Incorporated Information transmission system and method of operation
JPH05268216A (en) 1992-03-19 1993-10-15 Fujitsu Ltd Charging system for electronic mail
WO1993020641A1 (en) 1992-03-27 1993-10-14 Bell Atlantic Network Services, Inc. Improved data transmission public switched telephone network
US5537586A (en) 1992-04-30 1996-07-16 Individual, Inc. Enhanced apparatus and methods for retrieving and selecting profiled textural information records from a database of defined category structures
US5291554A (en) * 1992-05-28 1994-03-01 Tv Answer, Inc. Shared-price custom video rentals via interactive TV
US5432841A (en) 1992-07-10 1995-07-11 Rimer; Neil A. System for locating and communicating with mobile vehicles
GB9220404D0 (en) 1992-08-20 1992-11-11 Nat Security Agency Method of identifying,retrieving and sorting documents
US5295181A (en) 1992-08-24 1994-03-15 Xerox Corporation Automatic facsimile output recipient telephoning system
US5283829A (en) * 1992-10-01 1994-02-01 Bell Communications Research, Inc. System and method for paying bills electronically
EP0692119A1 (en) * 1992-10-22 1996-01-17 American Express Travel Related Services Company, Inc. Automated billing consolidation system and method
US5426594A (en) 1993-04-02 1995-06-20 Motorola, Inc. Electronic greeting card store and communication system
US5428606A (en) 1993-06-30 1995-06-27 Moskowitz; Scott A. Digital information commodities exchange
US5384703A (en) 1993-07-02 1995-01-24 Xerox Corporation Method and apparatus for summarizing documents according to theme
EP0746816B1 (en) 1993-08-03 2001-10-24 Sun Microsystems, Inc. Flexible multi-platform partitioning for computer applications
IL106746A (en) 1993-08-19 1997-02-18 News Datacom Ltd CATV systems
US5465206B1 (en) * 1993-11-01 1998-04-21 Visa Int Service Ass Electronic bill pay system
US5920847A (en) * 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US5450425A (en) 1993-11-19 1995-09-12 Multi-Tech Systems, Inc. Protocol for communication of a data packet
US5493692A (en) 1993-12-03 1996-02-20 Xerox Corporation Selective delivery of electronic messages in a multiple computer system based on context and environment of a user
JP3367675B2 (en) * 1993-12-16 2003-01-14 オープン マーケット インコーポレイテッド Open network sales system and method for real-time approval of transaction transactions
US5420926A (en) * 1994-01-05 1995-05-30 At&T Corp. Anonymous credit card transactions
US5590197A (en) * 1995-04-04 1996-12-31 V-One Corporation Electronic payment system and method
US5649186A (en) 1995-08-07 1997-07-15 Silicon Graphics Incorporated System and method for a computer-based dynamic information clipping service
US5757917A (en) 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
JPH10320646A (en) * 1997-05-22 1998-12-04 Nec Off Syst Ltd Internet shopping account settlement system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6246996B1 (en) * 1994-09-16 2001-06-12 Messagemedia, Inc. Computerized system for facilitating transactions between parties on the internet using e-mail
US7899712B2 (en) * 2000-03-17 2011-03-01 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility
US8255325B2 (en) * 2000-03-17 2012-08-28 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US20120303532A1 (en) * 2000-03-17 2012-11-29 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US20120303522A1 (en) * 2000-03-17 2012-11-29 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20090204523A1 (en) * 2000-03-17 2009-08-13 Jason May Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US8255325B2 (en) 2000-03-17 2012-08-28 Ebay Inc. Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US20110119154A1 (en) * 2009-11-13 2011-05-19 Omnione Usa, Inc. System and method for certifying information relating to transactions between a seller and a purchaser
US8392266B2 (en) 2009-11-13 2013-03-05 Omnione Usa, Inc. System and method for certifying information relating to transactions between a seller and a purchaser
US9870554B1 (en) 2012-10-23 2018-01-16 Google Inc. Managing documents based on a user's calendar
US9842113B1 (en) 2013-08-27 2017-12-12 Google Inc. Context-based file selection
US11681654B2 (en) 2013-08-27 2023-06-20 Google Llc Context-based file selection
US9973462B1 (en) 2013-10-21 2018-05-15 Google Llc Methods for generating message notifications
WO2016085827A1 (en) * 2014-11-24 2016-06-02 Paypal, Inc. Distress identifier to cause an action
US9967277B2 (en) 2014-11-24 2018-05-08 Paypal, Inc Digital dye packs
US20210174361A1 (en) * 2017-08-02 2021-06-10 Wepay, Inc. Systems and methods for instant merchant activation for secured in-person payments at point of sale
US11593798B2 (en) * 2017-08-02 2023-02-28 Wepay, Inc. Systems and methods for instant merchant activation for secured in-person payments at point of sale

Also Published As

Publication number Publication date
EP1693795A3 (en) 2006-11-29
EP0791202A4 (en) 2000-04-12
JPH10508708A (en) 1998-08-25
AU696475B2 (en) 1998-09-10
DE69534982D1 (en) 2006-06-14
US6246996B1 (en) 2001-06-12
DE69534982T2 (en) 2007-01-04
ATE326043T1 (en) 2006-06-15
WO1996008783A1 (en) 1996-03-21
US5826241A (en) 1998-10-20
NZ293783A (en) 1998-10-28
EP0791202A1 (en) 1997-08-27
AU3630995A (en) 1996-03-29
EP0791202B1 (en) 2006-05-10
EP1693795A2 (en) 2006-08-23

Similar Documents

Publication Publication Date Title
US6246996B1 (en) Computerized system for facilitating transactions between parties on the internet using e-mail
US7949600B1 (en) Method for facilitating payment of a computerized transaction
US5757917A (en) Computerized payment system for purchasing goods and services on the internet
US7249055B1 (en) Method and system for managing and conducting a network auction
US7899712B2 (en) Method and apparatus for facilitating online payment transactions in a network-based transaction facility
US7487127B2 (en) Merchant cash payment systems and methods
US20140372310A1 (en) Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
US20020120537A1 (en) Web based system and method for managing business to business online transactions
CA2297687A1 (en) Real time bank-centric universal payment system
JP2002531887A (en) Electronic factoring
KR20010082133A (en) System and method for managing a payment relation between the enterprises
JP2003108904A (en) Refund agency method and its system
KR100435854B1 (en) System and method for managing a payment relation between the enterprises
CA2592534C (en) Computerized payment system for purchasing information products by electronic transfer on the internet
CA2199942C (en) Computerized payment system for purchasing information products by electronic transfer on the internet
AU696475C (en) Computerized payment system for purchasing information products by electronic transfer on the internet
AU9703898A (en) Computerized payment system for purchasing information products by electronic transfer on the internet
KR20020089996A (en) Method for managing a electronic payment between enterprises
GB2412777A (en) Electronic voucher system using mobile phones

Legal Events

Date Code Title Description
STCB Information on status: application discontinuation

Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION

AS Assignment

Owner name: PAYPAL, INC., CALIFORNIA

Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:EBAY INC.;REEL/FRAME:036169/0680

Effective date: 20150717