WO2003073200A3 - Secure online purchasing - Google Patents

Secure online purchasing Download PDF

Info

Publication number
WO2003073200A3
WO2003073200A3 PCT/US2003/004650 US0304650W WO03073200A3 WO 2003073200 A3 WO2003073200 A3 WO 2003073200A3 US 0304650 W US0304650 W US 0304650W WO 03073200 A3 WO03073200 A3 WO 03073200A3
Authority
WO
WIPO (PCT)
Prior art keywords
fund
communicates
cost
computer system
client device
Prior art date
Application number
PCT/US2003/004650
Other languages
French (fr)
Other versions
WO2003073200A2 (en
Inventor
Robert L Engelhart
Original Assignee
At & T Wireless Services Inc
Robert L Engelhart
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 US10/080,988 external-priority patent/US7007000B2/en
Application filed by At & T Wireless Services Inc, Robert L Engelhart filed Critical At & T Wireless Services Inc
Priority to EP03743137A priority Critical patent/EP1485851A4/en
Priority to AU2003216290A priority patent/AU2003216290A1/en
Publication of WO2003073200A2 publication Critical patent/WO2003073200A2/en
Publication of WO2003073200A3 publication Critical patent/WO2003073200A3/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment 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
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • 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
    • 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
    • G06Q20/401—Transaction verification

Abstract

In a method of purchasing online, a client device of a customer (102) communicates a purchase selection which is received by a vendor computer system (104). The vendor computer system, in response, communicates a cost of the purchase selection and fund confirmation address to the client device. The client device (102) communicates a payment authorization for the cost that is received by a fund guardian (106). The client device also communicates biometric information. The fund guardian confirms the availability of sufficient funds to pay the cost. The biometric information is applied along with a stored biometric print to authenticate the customer. The vendor computer system communicates a fund confirmation address which is received by the fund guardian. When sufficient funds are available to pay the cost, and when the customer is authenticated, the fund guardian communicates a fund confirmation to the vendor computer system at the fund confirmation address.
PCT/US2003/004650 2002-02-22 2003-02-18 Secure online purchasing WO2003073200A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP03743137A EP1485851A4 (en) 2002-02-22 2003-02-18 Secure online purchasing
AU2003216290A AU2003216290A1 (en) 2002-02-22 2003-02-18 Secure online purchasing

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US10/080,988 2002-02-22
US10/080,988 US7007000B2 (en) 2002-02-22 2002-02-22 Secure online purchasing
US10/160,656 US7110987B2 (en) 2002-02-22 2002-05-30 Secure online purchasing
US10/160,656 2002-05-30

Publications (2)

Publication Number Publication Date
WO2003073200A2 WO2003073200A2 (en) 2003-09-04
WO2003073200A3 true WO2003073200A3 (en) 2003-12-04

Family

ID=27767327

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/004650 WO2003073200A2 (en) 2002-02-22 2003-02-18 Secure online purchasing

Country Status (4)

Country Link
US (2) US7110987B2 (en)
EP (1) EP1485851A4 (en)
AU (1) AU2003216290A1 (en)
WO (1) WO2003073200A2 (en)

Families Citing this family (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2002001376A1 (en) * 2000-06-28 2002-01-03 Yozan Inc. Host computer, mobile communication device, program, and recording medium
US7263347B2 (en) * 2002-05-24 2007-08-28 Cingular Wireless Ii, Llc Biometric authentication of a wireless device user
US20040167929A1 (en) * 2002-11-12 2004-08-26 American Associate Of Airport Executives Biometric information submittal and storage system
US7370212B2 (en) 2003-02-25 2008-05-06 Microsoft Corporation Issuing a publisher use license off-line in a digital rights management (DRM) system
US7844551B1 (en) * 2003-10-02 2010-11-30 Patent Investments of Texas, LLC Secure, anonymous authentication for electronic purchasing with dynamic determination of payment pricing and terms and cross vendor transaction resolution
FR2864289B1 (en) * 2003-12-17 2007-02-02 Bouygues Telecom Sa BIOMETRIC ACCESS CONTROL USING A MOBILE TELEPHONY TERMINAL
NO321529B1 (en) * 2003-12-18 2006-05-15 Vensafe Asa Method and system for use in the sale of consumer goods
US20060242406A1 (en) 2005-04-22 2006-10-26 Microsoft Corporation Protected computing environment
US7014107B2 (en) * 2004-07-20 2006-03-21 Irek Singer Wireless payment processing system
US8347078B2 (en) 2004-10-18 2013-01-01 Microsoft Corporation Device certificate individualization
US8336085B2 (en) 2004-11-15 2012-12-18 Microsoft Corporation Tuning product policy using observed evidence of customer behavior
US8176564B2 (en) 2004-11-15 2012-05-08 Microsoft Corporation Special PC mode entered upon detection of undesired state
US20060106920A1 (en) * 2004-11-15 2006-05-18 Microsoft Corporation Method and apparatus for dynamically activating/deactivating an operating system
US20060136717A1 (en) 2004-12-20 2006-06-22 Mark Buer System and method for authentication via a proximate device
US8295484B2 (en) 2004-12-21 2012-10-23 Broadcom Corporation System and method for securing data from a remote input device
US8002175B2 (en) * 2004-12-31 2011-08-23 Veritec, Inc. System and method for utilizing a highly secure two-dimensional matrix code on a mobile communications display
US8438645B2 (en) 2005-04-27 2013-05-07 Microsoft Corporation Secure clock with grace periods
US8725646B2 (en) 2005-04-15 2014-05-13 Microsoft Corporation Output protection levels
US9436804B2 (en) * 2005-04-22 2016-09-06 Microsoft Technology Licensing, Llc Establishing a unique session key using a hardware functionality scan
US9363481B2 (en) 2005-04-22 2016-06-07 Microsoft Technology Licensing, Llc Protected media pipeline
US20060265758A1 (en) 2005-05-20 2006-11-23 Microsoft Corporation Extensible media rights
US8353046B2 (en) 2005-06-08 2013-01-08 Microsoft Corporation System and method for delivery of a modular operating system
US8112314B2 (en) * 2008-06-30 2012-02-07 Ebay, Inc. Escrow payment to faciliate on-line transactions
US8595804B2 (en) * 2008-11-06 2013-11-26 At&T Intellectual Property I, L.P. System and method for device security with a plurality of authentication modes
US8485442B2 (en) 2009-07-02 2013-07-16 Biometric Payment Solutions Electronic transaction verification system with biometric authentication
US9412381B2 (en) * 2010-03-30 2016-08-09 Ack3 Bionetics Private Ltd. Integrated voice biometrics cloud security gateway
US9767807B2 (en) 2011-03-30 2017-09-19 Ack3 Bionetics Pte Limited Digital voice signature of transactions
US9672519B2 (en) 2012-06-08 2017-06-06 Fmr Llc Mobile device software radio for securely passing financial information between a customer and a financial services firm
US9819676B2 (en) 2012-06-29 2017-11-14 Apple Inc. Biometric capture for unauthorized user identification
US9832189B2 (en) 2012-06-29 2017-11-28 Apple Inc. Automatic association of authentication credentials with biometrics
US10212158B2 (en) 2012-06-29 2019-02-19 Apple Inc. Automatic association of authentication credentials with biometrics
US9959539B2 (en) 2012-06-29 2018-05-01 Apple Inc. Continual authorization for secured functions
US10331866B2 (en) 2013-09-06 2019-06-25 Apple Inc. User verification for changing a setting of an electronic device
US20150073998A1 (en) 2013-09-09 2015-03-12 Apple Inc. Use of a Biometric Image in Online Commerce
US20150220931A1 (en) * 2014-01-31 2015-08-06 Apple Inc. Use of a Biometric Image for Authorization
US10044700B2 (en) * 2014-12-23 2018-08-07 Mcafee, Llc Identity attestation of a minor via a parent
US10748142B2 (en) * 2015-10-02 2020-08-18 Mastercard International Incorporated Multi-currency transaction routing platform for payment processing system
US11847651B2 (en) 2017-05-23 2023-12-19 Kenneth A Kopf Systems and methods for facilitating biometric tokenless authentication for services
US10003464B1 (en) * 2017-06-07 2018-06-19 Cerebral, Incorporated Biometric identification system and associated methods
US10977353B2 (en) 2018-09-18 2021-04-13 International Business Machines Corporation Validating authorized activities approved by a guardian

Citations (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4947028A (en) * 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
US5907831A (en) * 1997-04-04 1999-05-25 Lotvin; Mikhail Computer apparatus and methods supporting different categories of users
US5909492A (en) * 1994-10-24 1999-06-01 Open Market, Incorporated Network sales system
US5920847A (en) * 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US6023682A (en) * 1997-10-21 2000-02-08 At&T Corporation Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
EP0982674A2 (en) * 1998-08-27 2000-03-01 Citibank, N.A. System and method for merchant function assumption of internet checking and savings account transactions
US6067416A (en) * 1997-06-03 2000-05-23 Fraser; Robert E. Method for dynamically wrapping files for downloading
EP1020824A2 (en) * 1998-12-11 2000-07-19 CheckFree Corporation Technique for conducting secure transactions over a network
US6118860A (en) * 1997-09-12 2000-09-12 Nortel Networks Corporation Public communications services vending method and apparatus
US6206283B1 (en) * 1998-12-23 2001-03-27 At&T Corp. Method and apparatus for transferring money via a telephone call
US6219439B1 (en) * 1998-07-09 2001-04-17 Paul M. Burger Biometric authentication system
US6269348B1 (en) * 1994-11-28 2001-07-31 Veristar Corporation Tokenless biometric electronic debit and credit transactions
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US20010051924A1 (en) * 2000-05-09 2001-12-13 James Uberti On-line based financial services method and system utilizing biometrically secured transactions for issuing credit
US20020019811A1 (en) * 2000-05-31 2002-02-14 Veristar Corporation Biometric financial transaction system and method
US6505171B1 (en) * 2000-02-04 2003-01-07 Robert H. Cohen System and method for handling purchasing transactions over a computer network

Family Cites Families (40)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2559428B2 (en) * 1987-10-26 1996-12-04 セントラル硝子株式会社 Ceramic fired body and manufacturing method thereof
US5826241A (en) * 1994-09-16 1998-10-20 First Virtual Holdings Incorporated Computerized system for making payments and authenticating transactions over the internet
US5794221A (en) 1995-07-07 1998-08-11 Egendorf; Andrew Internet billing method
US5757917A (en) * 1995-11-01 1998-05-26 First Virtual Holdings Incorporated Computerized payment system for purchasing goods and services on the internet
US5946623A (en) * 1996-03-01 1999-08-31 S Squared, L.L.C. System and method for routing a wireless telecommunications call
US6058381A (en) * 1996-10-30 2000-05-02 Nelson; Theodor Holm Many-to-many payments system for network content materials
US6567794B1 (en) * 1997-06-13 2003-05-20 Pitney Bowes Inc. Method for access control in a virtual postage metering system
US20050203835A1 (en) * 1998-01-30 2005-09-15 Eli Nhaissi Internet billing
US6246870B1 (en) * 1998-04-30 2001-06-12 Ericsson Inc. Tariff management apparatus and methods for multiple-mode communications terminals
US6036344A (en) * 1998-06-10 2000-03-14 Goldenberg; David Milton Secure check processing system and method
US7010512B1 (en) * 1998-11-09 2006-03-07 C/Base, Inc. Transfer instrument
US7177825B1 (en) * 1999-05-11 2007-02-13 Borders Louis H Integrated system for ordering, fulfillment, and delivery of consumer products using a data network
US6975937B1 (en) * 1999-05-11 2005-12-13 Christopher Kantarjiev Technique for processing customer service transactions at customer site using mobile computing device
US7366702B2 (en) * 1999-07-30 2008-04-29 Ipass Inc. System and method for secure network purchasing
US7475808B1 (en) * 1999-11-05 2009-01-13 American Express Travel Related Services Company, Inc. Systems and methods for locating a payment system utilizing a wireless point of sale device
WO2001045008A1 (en) * 1999-12-16 2001-06-21 Debit.Net, Inc. Secure networked transaction system
US20010007983A1 (en) * 1999-12-28 2001-07-12 Lee Jong-Ii Method and system for transaction of electronic money with a mobile communication unit as an electronic wallet
US6477509B1 (en) * 2000-01-06 2002-11-05 Efunz.Com Internet marketing method and system
US6847953B2 (en) * 2000-02-04 2005-01-25 Kuo James Shaw-Han Process and method for secure online transactions with calculated risk and against fraud
GB0004287D0 (en) 2000-02-23 2000-04-12 Leeper Kim System and method for authenticating electronic documents
US20010037254A1 (en) * 2000-03-09 2001-11-01 Adi Glikman System and method for assisting a customer in purchasing a commodity using a mobile device
CA2337672A1 (en) * 2000-04-26 2001-10-26 International Business Machines Corporation Payment for network-based commercial transactions using a mobile phone
US6493437B1 (en) * 2000-04-26 2002-12-10 Genuity Inc. Advertising-subsidized PC-telephony
JP2002063524A (en) * 2000-08-15 2002-02-28 Computer Consulting:Kk Credit guarantee method in electronic commercial transaction, and dealing authenticating server, store server, and member managing server applying the same method
US20020065787A1 (en) * 2000-08-24 2002-05-30 Evers E. Mark Relationship-based commerical transaction system and method
WO2002021405A1 (en) * 2000-09-07 2002-03-14 Closingguard.Com, Inc. System and method of managing financial transactions over an electronic network
US20020174062A1 (en) * 2001-05-16 2002-11-21 Sines Randy D. Purchasing on the internet using verified order information and bank payment assurance
US7080048B1 (en) * 2000-09-25 2006-07-18 Ecardless Bancorp, Ltd. Purchasing on the internet using verified order information and bank payment assurance
US20020152179A1 (en) * 2000-10-27 2002-10-17 Achiezer Racov Remote payment method and system
US20020052841A1 (en) * 2000-10-27 2002-05-02 Guthrie Paul D. Electronic payment system
US20020087461A1 (en) * 2000-12-28 2002-07-04 Ravi Ganesan Technique for electronic funds escrow
US20020091937A1 (en) 2001-01-10 2002-07-11 Ortiz Luis M. Random biometric authentication methods and systems
JP3859450B2 (en) 2001-02-07 2006-12-20 富士通株式会社 Secret information management system and information terminal
US20030130959A1 (en) * 2001-02-15 2003-07-10 Walter Rosenbaum Closed loop electronic factoring
US7505936B2 (en) * 2001-05-11 2009-03-17 Accenture Global Services Gmbh Digital content subscription conditioning system
US7003497B2 (en) * 2001-05-23 2006-02-21 International Business Machines Corporation System and method for confirming electronic transactions
US7783566B2 (en) * 2001-06-27 2010-08-24 American Express Travel Related Services Company, Inc. Consolidated payment account system and method
US20030031321A1 (en) 2001-08-09 2003-02-13 Ken Mages System and method for using a smart card for wireless or wired remote gaming activities
US20030050833A1 (en) * 2001-08-28 2003-03-13 International Business Machines Corporation Monitoring actual screen display of online advertising
US20030074317A1 (en) * 2001-10-15 2003-04-17 Eyal Hofi Device, method and system for authorizing transactions

Patent Citations (18)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4947028A (en) * 1988-07-19 1990-08-07 Arbor International, Inc. Automated order and payment system
US4947028B1 (en) * 1988-07-19 1993-06-08 U S Order Inc
US5920847A (en) * 1993-11-01 1999-07-06 Visa International Service Association Electronic bill pay system
US5909492A (en) * 1994-10-24 1999-06-01 Open Market, Incorporated Network sales system
US6269348B1 (en) * 1994-11-28 2001-07-31 Veristar Corporation Tokenless biometric electronic debit and credit transactions
US6029150A (en) * 1996-10-04 2000-02-22 Certco, Llc Payment and transactions in electronic commerce system
US5907831A (en) * 1997-04-04 1999-05-25 Lotvin; Mikhail Computer apparatus and methods supporting different categories of users
US6067416A (en) * 1997-06-03 2000-05-23 Fraser; Robert E. Method for dynamically wrapping files for downloading
US6118860A (en) * 1997-09-12 2000-09-12 Nortel Networks Corporation Public communications services vending method and apparatus
US6023682A (en) * 1997-10-21 2000-02-08 At&T Corporation Method and apparatus for credit card purchase authorization utilizing a comparison of a purchase token with test information
US6219439B1 (en) * 1998-07-09 2001-04-17 Paul M. Burger Biometric authentication system
EP0982674A2 (en) * 1998-08-27 2000-03-01 Citibank, N.A. System and method for merchant function assumption of internet checking and savings account transactions
EP1020824A2 (en) * 1998-12-11 2000-07-19 CheckFree Corporation Technique for conducting secure transactions over a network
US6206283B1 (en) * 1998-12-23 2001-03-27 At&T Corp. Method and apparatus for transferring money via a telephone call
US6327578B1 (en) * 1998-12-29 2001-12-04 International Business Machines Corporation Four-party credit/debit payment protocol
US6505171B1 (en) * 2000-02-04 2003-01-07 Robert H. Cohen System and method for handling purchasing transactions over a computer network
US20010051924A1 (en) * 2000-05-09 2001-12-13 James Uberti On-line based financial services method and system utilizing biometrically secured transactions for issuing credit
US20020019811A1 (en) * 2000-05-31 2002-02-14 Veristar Corporation Biometric financial transaction system and method

Non-Patent Citations (4)

* Cited by examiner, † Cited by third party
Title
CONVENIENCE STORE NEWS, 16 January 1995 (1995-01-16), pages 54 *
DATABASE GALE GROUP (FILE 16) [online] FRANCELLA: "Food-Stamp Handling Made Easy", XP002971980, accession no. Dialog Database accession no. 45265551 *
DATABASE GALE GROUP NEWSLETTER [online] "New members join NACHA's Internet payment project", XP002971981, accession no. Dialog Database accession no. 76626956 *
ELECTRONIC PAYMENTS INTERNATIONAL, June 2001 (2001-06-01), pages 3 *

Also Published As

Publication number Publication date
US20050182717A1 (en) 2005-08-18
US7110987B2 (en) 2006-09-19
EP1485851A4 (en) 2008-12-10
EP1485851A2 (en) 2004-12-15
US20030163383A1 (en) 2003-08-28
WO2003073200A2 (en) 2003-09-04
AU2003216290A8 (en) 2003-09-09
AU2003216290A1 (en) 2003-09-09
US7849013B2 (en) 2010-12-07

Similar Documents

Publication Publication Date Title
WO2003073200A3 (en) Secure online purchasing
US10460319B2 (en) Multi-commerce channel wallet for authenticated transactions
US20170039566A1 (en) Method and system for secured processing of a credit card
TWI391863B (en) Computer readable universal authorization card system and method for using same
US20070208632A1 (en) System, method and apparatus for conducting secure online monetary transactions
US20060005022A1 (en) Authentication system
WO2003065164A3 (en) System and method for conducting secure payment transaction
US20120095917A1 (en) System and method for performing secure credit card purchases
US20170228690A1 (en) System and method for delivery receipting and user authentication in unmanned product deliveries
WO2005072382A3 (en) System and method for secure telephone and computer transactions
TWI654574B (en) Block block electronic ticket trading system and electronic ticket trading method thereof
CA2641676A1 (en) Method and system for performing two factor authentication in mail order and telephone order transactions
US20020194080A1 (en) Internet cash card
WO2007121474A3 (en) System and method for secure online transaction
WO2004031899A3 (en) Electronic payment validation using transaction authorization tokens
US20100057579A1 (en) Method and system for managing purchase transactions between a customer and a merchant
US20070078723A1 (en) System, method and apparatus for conducting secure online monetary transactions
US20020032662A1 (en) System and method for servicing secure credit/debit card transactions
CA2390167A1 (en) Payment method and system for online commerce
US20050071233A1 (en) Payment card and method
JP2009212733A (en) Authentication server in credit card settlement, authentication system, and authentication method
KR100330093B1 (en) Method of Issuing Pre-paid Card, and Method and System for Authorizing the Pre-paid Card and Supervising Balance thereof
JP2002063525A (en) Product selling method using personal identification using biological information
US20220358519A1 (en) Authentication system
WO2005074366A3 (en) Method for secure electronic commerce transactions

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ OM PH PL PT RO RU SC SD SE SG SK SL TJ TM TN TR TT TZ UA UG US UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
WWE Wipo information: entry into national phase

Ref document number: 2003743137

Country of ref document: EP

WWP Wipo information: published in national office

Ref document number: 2003743137

Country of ref document: EP

NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP