WO2002058018A3 - Payment method, and payment system with pay card used therewith - Google Patents

Payment method, and payment system with pay card used therewith Download PDF

Info

Publication number
WO2002058018A3
WO2002058018A3 PCT/NL2002/000043 NL0200043W WO02058018A3 WO 2002058018 A3 WO2002058018 A3 WO 2002058018A3 NL 0200043 W NL0200043 W NL 0200043W WO 02058018 A3 WO02058018 A3 WO 02058018A3
Authority
WO
WIPO (PCT)
Prior art keywords
pay
card
payment system
money
pay card
Prior art date
Application number
PCT/NL2002/000043
Other languages
French (fr)
Other versions
WO2002058018B1 (en
WO2002058018A2 (en
Inventor
Haissam Malas
Original Assignee
Haissam Malas
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 Haissam Malas filed Critical Haissam Malas
Priority to AU2002230263A priority Critical patent/AU2002230263A1/en
Publication of WO2002058018A2 publication Critical patent/WO2002058018A2/en
Publication of WO2002058018A3 publication Critical patent/WO2002058018A3/en
Publication of WO2002058018B1 publication Critical patent/WO2002058018B1/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
    • G06Q20/08—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
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"

Abstract

Payment method for transferring money from and to a pay card of a payment system, wherein a client purchases a prepaid pay card at a bank for a certain amount of credit money in any currency, wherein an activation number and a card number are assigned by the payment system to the pay card, and wherein, before activation of the card by the bank, said amount of credit money is transferred into a payment system related account at the bank, and wherein the pay card is used by the client through a terminal, in connection with the payment system, to perform a money transfer transaction. In addition to activation number and card number a secure pin code number is assigned to the pay card. Payment system for transferring money from and to a pay card of a payment system to be used in connection with one or more prepaid pay cards of one or more clients, comprising a central transaction server for distributing money transfer transactions, which server is connected to a pay card authorize transaction means for activating and deactivating, through a terminal, of pay cards purchased at related banks, and to an electronic pay server for handling money transactions for the client through a payment system terminal or internet terminal. Pay card to be used with above method and system.
PCT/NL2002/000043 2001-01-19 2002-01-18 Payment method, and payment system with pay card used therewith WO2002058018A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002230263A AU2002230263A1 (en) 2001-01-19 2002-01-18 Payment method, and payment system with pay card used therewith

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
PCT/NL2001/000040 WO2002058017A1 (en) 2001-01-19 2001-01-19 Global payment method, and payment system and payment card used therewith
NLPCT/NL01/00040 2001-01-19

Publications (3)

Publication Number Publication Date
WO2002058018A2 WO2002058018A2 (en) 2002-07-25
WO2002058018A3 true WO2002058018A3 (en) 2003-02-13
WO2002058018B1 WO2002058018B1 (en) 2003-03-27

Family

ID=19760734

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/NL2001/000040 WO2002058017A1 (en) 2001-01-19 2001-01-19 Global payment method, and payment system and payment card used therewith
PCT/NL2002/000043 WO2002058018A2 (en) 2001-01-19 2002-01-18 Payment method, and payment system with pay card used therewith

Family Applications Before (1)

Application Number Title Priority Date Filing Date
PCT/NL2001/000040 WO2002058017A1 (en) 2001-01-19 2001-01-19 Global payment method, and payment system and payment card used therewith

Country Status (2)

Country Link
AU (1) AU2002230263A1 (en)
WO (2) WO2002058017A1 (en)

Families Citing this family (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2882880B1 (en) * 2005-03-04 2007-06-22 Barret Patrick METHOD OF SECURING A TRANSACTION WITH A PAYMENT CARD, AND AUTHORIZATION CENTER FOR CARRYING OUT SAID METHOD
US8672220B2 (en) 2005-09-30 2014-03-18 The Western Union Company Money transfer system and method
US20070214091A1 (en) * 2005-05-18 2007-09-13 The Western Union Company Electronic payment instrument system and method
CN106899539B (en) * 2015-12-17 2020-03-20 阿里巴巴集团控股有限公司 Cross-system business operation execution method, business platform and target system

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
GB2350982A (en) * 1999-06-10 2000-12-13 John Quentin Phillipps Electronic commerce system where credit card details are not transmitted over insecure networks
WO2000075749A2 (en) * 1999-06-09 2000-12-14 Intelishield.Com, Inc. Internet payment system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5822737A (en) * 1996-02-05 1998-10-13 Ogram; Mark E. Financial transaction system
WO2000075749A2 (en) * 1999-06-09 2000-12-14 Intelishield.Com, Inc. Internet payment system
GB2350982A (en) * 1999-06-10 2000-12-13 John Quentin Phillipps Electronic commerce system where credit card details are not transmitted over insecure networks

Also Published As

Publication number Publication date
AU2002230263A1 (en) 2002-07-30
WO2002058017A1 (en) 2002-07-25
WO2002058018B1 (en) 2003-03-27
WO2002058018A2 (en) 2002-07-25

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