WO2002079926A3 - Payment service method and system - Google Patents

Payment service method and system Download PDF

Info

Publication number
WO2002079926A3
WO2002079926A3 PCT/US2002/008425 US0208425W WO02079926A3 WO 2002079926 A3 WO2002079926 A3 WO 2002079926A3 US 0208425 W US0208425 W US 0208425W WO 02079926 A3 WO02079926 A3 WO 02079926A3
Authority
WO
WIPO (PCT)
Prior art keywords
payment service
service provider
customer
payor
clients
Prior art date
Application number
PCT/US2002/008425
Other languages
French (fr)
Other versions
WO2002079926A2 (en
Inventor
Keith W Diveley
Kurt L Hansen
Original Assignee
First Data Corp
Keith W Diveley
Kurt L Hansen
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 First Data Corp, Keith W Diveley, Kurt L Hansen filed Critical First Data Corp
Priority to AU2002254293A priority Critical patent/AU2002254293A1/en
Publication of WO2002079926A2 publication Critical patent/WO2002079926A2/en
Publication of WO2002079926A3 publication Critical patent/WO2002079926A3/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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6218—Protecting access to data via a platform, e.g. using keys or access control rules to a system of files or objects, e.g. local or distributed file system or database
    • G06F21/6245—Protecting personal data, e.g. for financial or medical purposes
    • G06F21/6254—Protecting personal data, e.g. for financial or medical purposes by anonymising data, e.g. decorrelating personal data from the owner's identification
    • 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
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    • 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
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    • G—PHYSICS
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    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
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    • 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
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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    • G06Q20/00—Payment architectures, schemes or protocols
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    • 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

Abstract

A payment service method and system (2) involve a payment service provider (4), a customer/payor (6) and a client/payee (8). The customer/payor (6) enrolls in the service and is provided the unique identifier (10) which enables him or her to conduct all transactions with the payment service provider. The customer/payor (6) interfaces with the payment service provider (4) through various forms of communication, and can facilitate payments to the clients/payees (8) through the payment service provider (4) while remaining anonymous. Various enhancements are provided for promoting the services of the clients (8) and the payment service provider (4) to customer bases (18) obtained from persons enrolled in the payment service and from persons who are customers (6) of the clients (8).
PCT/US2002/008425 2001-03-31 2002-03-19 Payment service method and system WO2002079926A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2002254293A AU2002254293A1 (en) 2001-03-31 2002-03-19 Payment service method and system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US09/823,697 US7165052B2 (en) 2001-03-31 2001-03-31 Payment service method and system
US09/823,697 2001-03-31

Publications (2)

Publication Number Publication Date
WO2002079926A2 WO2002079926A2 (en) 2002-10-10
WO2002079926A3 true WO2002079926A3 (en) 2004-03-04

Family

ID=25239447

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/008425 WO2002079926A2 (en) 2001-03-31 2002-03-19 Payment service method and system

Country Status (3)

Country Link
US (4) US7165052B2 (en)
AU (1) AU2002254293A1 (en)
WO (1) WO2002079926A2 (en)

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US8146807B2 (en) * 1998-03-05 2012-04-03 Cgi Technologies And Solutions Inc. Method and system for managing case based promises to pay
US6131811A (en) 1998-05-29 2000-10-17 E-Micro Corporation Wallet consolidator
US7357312B2 (en) * 1998-05-29 2008-04-15 Gangi Frank J System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods
US7083087B1 (en) 2000-09-18 2006-08-01 E-Micro Corporation Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources
US6615189B1 (en) 1998-06-22 2003-09-02 Bank One, Delaware, National Association Debit purchasing of stored value card for use by and/or delivery to others
US7809642B1 (en) 1998-06-22 2010-10-05 Jpmorgan Chase Bank, N.A. Debit purchasing of stored value card for use by and/or delivery to others
US7010512B1 (en) * 1998-11-09 2006-03-07 C/Base, Inc. Transfer instrument
US6032136A (en) 1998-11-17 2000-02-29 First Usa Bank, N.A. Customer activated multi-value (CAM) card
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