WO2000067220A1 - A virtual private lock box - Google Patents
A virtual private lock box Download PDFInfo
- Publication number
- WO2000067220A1 WO2000067220A1 PCT/US2000/012059 US0012059W WO0067220A1 WO 2000067220 A1 WO2000067220 A1 WO 2000067220A1 US 0012059 W US0012059 W US 0012059W WO 0067220 A1 WO0067220 A1 WO 0067220A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- account
- payment
- vpl
- recited
- user
- Prior art date
Links
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
- G06Q20/1085—Remote banking, e.g. home banking involving automatic teller machines [ATMs]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
- G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Rigid Containers With Two Or More Constituent Elements (AREA)
- Closures For Containers (AREA)
Abstract
Description
Claims
Priority Applications (6)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP20000928784 EP1177537A1 (en) | 1999-05-03 | 2000-05-03 | A virtual private lock box |
MXPA01010814A MXPA01010814A (en) | 1999-05-03 | 2000-05-03 | A virtual private lock box. |
BR0011230-5A BR0011230A (en) | 1999-05-03 | 2000-05-03 | Method for receiving electronic payments by establishing a receipt account called a virtual private box |
CA002371736A CA2371736C (en) | 1999-05-03 | 2000-05-03 | A virtual private lock box |
JP2000615984A JP2002543542A (en) | 1999-05-03 | 2000-05-03 | Virtual private lockbox |
AU46966/00A AU754886C (en) | 1999-05-03 | 2000-05-03 | A virtual private lock box |
Applications Claiming Priority (12)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US13230599P | 1999-05-03 | 1999-05-03 | |
US60/132,305 | 1999-05-03 | ||
US15072599P | 1999-08-25 | 1999-08-25 | |
US60/150,725 | 1999-08-25 | ||
US16130099P | 1999-10-22 | 1999-10-22 | |
US60/161,300 | 1999-10-22 | ||
US16382899P | 1999-11-05 | 1999-11-05 | |
US60/163,828 | 1999-11-05 | ||
US17304499P | 1999-12-23 | 1999-12-23 | |
US60/173,044 | 1999-12-23 | ||
US09/497,334 US6704714B1 (en) | 1999-05-03 | 2000-02-03 | Virtual private lock box |
US09/497,334 | 2000-02-03 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2000067220A1 true WO2000067220A1 (en) | 2000-11-09 |
Family
ID=27558153
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2000/012059 WO2000067220A1 (en) | 1999-05-03 | 2000-05-03 | A virtual private lock box |
Country Status (8)
Country | Link |
---|---|
US (1) | US6704714B1 (en) |
EP (1) | EP1177537A1 (en) |
JP (1) | JP2002543542A (en) |
AU (1) | AU754886C (en) |
BR (1) | BR0011230A (en) |
CA (1) | CA2371736C (en) |
MX (1) | MXPA01010814A (en) |
WO (1) | WO2000067220A1 (en) |
Cited By (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
WO2002084614A1 (en) * | 2001-04-10 | 2002-10-24 | Uniteller Financial Services, Inc. | Money-transfer techniques |
WO2002093512A2 (en) * | 2001-05-11 | 2002-11-21 | Eracom Technologies Schweiz Ag | Virtual chip card |
US20040024700A1 (en) * | 2001-11-29 | 2004-02-05 | Petigny A. Michelle | Electronic funds transfer method and system |
US7958030B2 (en) | 2004-09-01 | 2011-06-07 | Visa U.S.A. Inc. | System and method for issuer originated payments for on-line banking bill payments |
Families Citing this family (226)
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US20060161473A1 (en) * | 1998-03-19 | 2006-07-20 | Defosse Erin M | Remote data acquisition, transmission and analysis system including handheld wireless equipment |
US8631093B2 (en) | 1998-03-19 | 2014-01-14 | Crane Merchandising Systems, Inc. | Remote data acquisition, transmission and analysis system including handheld wireless equipment |
US7181501B2 (en) * | 1998-03-19 | 2007-02-20 | Isochron, Inc. | Remote data acquisition, transmission and analysis system including handheld wireless equipment |
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- 2000-05-03 MX MXPA01010814A patent/MXPA01010814A/en unknown
- 2000-05-03 JP JP2000615984A patent/JP2002543542A/en active Pending
- 2000-05-03 AU AU46966/00A patent/AU754886C/en not_active Expired
- 2000-05-03 EP EP20000928784 patent/EP1177537A1/en not_active Withdrawn
- 2000-05-03 WO PCT/US2000/012059 patent/WO2000067220A1/en active IP Right Grant
- 2000-05-03 BR BR0011230-5A patent/BR0011230A/en not_active IP Right Cessation
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Cited By (7)
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US7870065B2 (en) | 2000-01-05 | 2011-01-11 | Uniteller Financial Services, Inc. | Money-transfer techniques |
WO2002084614A1 (en) * | 2001-04-10 | 2002-10-24 | Uniteller Financial Services, Inc. | Money-transfer techniques |
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WO2002093512A3 (en) * | 2001-05-11 | 2003-02-20 | Eracom Technologies Schweiz Ag | Virtual chip card |
US20040024700A1 (en) * | 2001-11-29 | 2004-02-05 | Petigny A. Michelle | Electronic funds transfer method and system |
US7958030B2 (en) | 2004-09-01 | 2011-06-07 | Visa U.S.A. Inc. | System and method for issuer originated payments for on-line banking bill payments |
US8255327B2 (en) | 2004-09-01 | 2012-08-28 | Lynn Kemper | System and method for issuer originated payments for on-line banking bill payments |
Also Published As
Publication number | Publication date |
---|---|
BR0011230A (en) | 2002-03-26 |
US6704714B1 (en) | 2004-03-09 |
AU754886B2 (en) | 2002-11-28 |
CA2371736A1 (en) | 2000-11-09 |
EP1177537A1 (en) | 2002-02-06 |
CA2371736C (en) | 2006-10-17 |
AU4696600A (en) | 2000-11-17 |
MXPA01010814A (en) | 2004-03-19 |
JP2002543542A (en) | 2002-12-17 |
AU754886C (en) | 2003-08-28 |
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