WO2002014985A3 - Automated payment system - Google Patents

Automated payment system Download PDF

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Publication number
WO2002014985A3
WO2002014985A3 PCT/US2001/025888 US0125888W WO0214985A3 WO 2002014985 A3 WO2002014985 A3 WO 2002014985A3 US 0125888 W US0125888 W US 0125888W WO 0214985 A3 WO0214985 A3 WO 0214985A3
Authority
WO
WIPO (PCT)
Prior art keywords
account information
customer
financial account
financial
payment system
Prior art date
Application number
PCT/US2001/025888
Other languages
French (fr)
Other versions
WO2002014985A2 (en
WO2002014985A9 (en
Inventor
Daniel A Kern
Original Assignee
Daniel A Kern
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 Daniel A Kern filed Critical Daniel A Kern
Priority to BR0113462-0A priority Critical patent/BR0113462A/en
Priority to CA002419566A priority patent/CA2419566A1/en
Priority to MXPA03001461A priority patent/MXPA03001461A/en
Priority to JP2002520049A priority patent/JP2004506973A/en
Priority to KR10-2003-7002333A priority patent/KR20030040403A/en
Priority to AU2001283447A priority patent/AU2001283447A1/en
Priority to EP01962252A priority patent/EP1323011A4/en
Publication of WO2002014985A2 publication Critical patent/WO2002014985A2/en
Publication of WO2002014985A3 publication Critical patent/WO2002014985A3/en
Publication of WO2002014985A9 publication Critical patent/WO2002014985A9/en

Links

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
    • G06Q20/08—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
    • G06Q20/04—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
    • G06Q20/14—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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • 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
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Abstract

An automated payment system (50), such as for credit cards, is provided which compiles customer financial account information (76) from a plurality of financial institutions. The system receives account information (66) from the financial institutions, and compiles the information (76) in a central location (55). The system presents financial account information (76) to the customer. The system then receives and stores a selection of at least one of the financial account of the customer and provides the selected financial account information (76) to a merchant, biller or payment processor (70).
PCT/US2001/025888 2000-08-17 2001-08-17 Automated payment system WO2002014985A2 (en)

Priority Applications (7)

Application Number Priority Date Filing Date Title
BR0113462-0A BR0113462A (en) 2000-08-17 2001-08-17 Method for facilitating payment of a customer financial account to a merchant / collector or a payment processor associated with a merchant / collector
CA002419566A CA2419566A1 (en) 2000-08-17 2001-08-17 Automated payment system
MXPA03001461A MXPA03001461A (en) 2000-08-17 2001-08-17 Automated payment system.
JP2002520049A JP2004506973A (en) 2000-08-17 2001-08-17 Automatic payment system
KR10-2003-7002333A KR20030040403A (en) 2000-08-17 2001-08-17 Automated payment system
AU2001283447A AU2001283447A1 (en) 2000-08-17 2001-08-17 Automated payment system
EP01962252A EP1323011A4 (en) 2000-08-17 2001-08-17 Automated payment system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US64107300A 2000-08-17 2000-08-17
US09/641,073 2000-08-17

Publications (3)

Publication Number Publication Date
WO2002014985A2 WO2002014985A2 (en) 2002-02-21
WO2002014985A3 true WO2002014985A3 (en) 2002-06-13
WO2002014985A9 WO2002014985A9 (en) 2003-08-21

Family

ID=24570836

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2001/025888 WO2002014985A2 (en) 2000-08-17 2001-08-17 Automated payment system

Country Status (9)

Country Link
EP (1) EP1323011A4 (en)
JP (1) JP2004506973A (en)
KR (1) KR20030040403A (en)
CN (1) CN1459068A (en)
AU (1) AU2001283447A1 (en)
BR (1) BR0113462A (en)
CA (1) CA2419566A1 (en)
MX (1) MXPA03001461A (en)
WO (1) WO2002014985A2 (en)

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US9760905B2 (en) 2010-08-02 2017-09-12 Visa International Service Association Systems and methods to optimize media presentations using a camera
US9972021B2 (en) 2010-08-06 2018-05-15 Visa International Service Association Systems and methods to rank and select triggers for real-time offers
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Title
See also references of EP1323011A4 *

Also Published As

Publication number Publication date
MXPA03001461A (en) 2004-12-13
CN1459068A (en) 2003-11-26
AU2001283447A1 (en) 2002-02-25
JP2004506973A (en) 2004-03-04
CA2419566A1 (en) 2002-02-21
EP1323011A4 (en) 2006-02-01
KR20030040403A (en) 2003-05-22
WO2002014985A2 (en) 2002-02-21
EP1323011A2 (en) 2003-07-02
BR0113462A (en) 2003-12-30
WO2002014985A9 (en) 2003-08-21

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