WO2001071452A3 - Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments - Google Patents

Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments Download PDF

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Publication number
WO2001071452A3
WO2001071452A3 PCT/US2001/008293 US0108293W WO0171452A3 WO 2001071452 A3 WO2001071452 A3 WO 2001071452A3 US 0108293 W US0108293 W US 0108293W WO 0171452 A3 WO0171452 A3 WO 0171452A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment
participant
network
instruments
transaction facility
Prior art date
Application number
PCT/US2001/008293
Other languages
French (fr)
Other versions
WO2001071452A2 (en
Inventor
Jason May
Ian Flint
Original Assignee
Ebay Inc
Jason May
Ian Flint
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
Priority claimed from US09/577,434 external-priority patent/US7499875B1/en
Application filed by Ebay Inc, Jason May, Ian Flint filed Critical Ebay Inc
Priority to AU2001245754A priority Critical patent/AU2001245754A1/en
Priority to GB0222072A priority patent/GB2377059A/en
Priority to DE10195918T priority patent/DE10195918T1/en
Publication of WO2001071452A2 publication Critical patent/WO2001071452A2/en
Publication of WO2001071452A3 publication Critical patent/WO2001071452A3/en

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Classifications

    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/08—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
    • G06Q20/12—Payment architectures specially adapted for electronic shopping 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
    • G06Q20/14—Payment architectures specially adapted for billing 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Buyer or seller confidence or verification
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Abstract

Method and apparatus for online payments are described. See Figure 5. In one embodiment, user interface information is communicated to a first participant via a communications network (506). The user interface information identifies payment instruments for processing online payments in the networked transaction facility. Payment option information is received from the first participant via the communications network (508). The payment option information indicates the first participant's willingness to accept payment from a second participant via one or more instruments. This payment option information is passed to the second participant via the network (510). Afterwards, personal billing information is accepted from the second participant via the network to facilitate an online payment between the participants (512). The personal billing information concerns a payment instrument selected by the second participant from the payment instruments specified by the first participant.
PCT/US2001/008293 2000-03-17 2001-03-14 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments WO2001071452A2 (en)

Priority Applications (3)

Application Number Priority Date Filing Date Title
AU2001245754A AU2001245754A1 (en) 2000-03-17 2001-03-14 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments
GB0222072A GB2377059A (en) 2000-03-17 2001-03-14 Method and apparatus for facilitating online payment transactions in a network based transaction facility using multiple payment instruments
DE10195918T DE10195918T1 (en) 2000-03-17 2001-03-14 Method and device for facilitating payment transactions in a network-based transaction device using various payment instruments

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US19042000P 2000-03-17 2000-03-17
US60/190,420 2000-03-17
US09/577,434 2000-05-22
US09/577,434 US7499875B1 (en) 2000-03-17 2000-05-22 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments

Publications (2)

Publication Number Publication Date
WO2001071452A2 WO2001071452A2 (en) 2001-09-27
WO2001071452A3 true WO2001071452A3 (en) 2002-02-07

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/008293 WO2001071452A2 (en) 2000-03-17 2001-03-14 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments

Country Status (5)

Country Link
US (1) US7899712B2 (en)
AU (1) AU2001245754A1 (en)
DE (1) DE10195918T1 (en)
GB (1) GB2377059A (en)
WO (1) WO2001071452A2 (en)

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