WO2005091788A3 - Method, system and computer readable medium for web site account and e-commerce management from a central location - Google Patents

Method, system and computer readable medium for web site account and e-commerce management from a central location Download PDF

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Publication number
WO2005091788A3
WO2005091788A3 PCT/US2005/003773 US2005003773W WO2005091788A3 WO 2005091788 A3 WO2005091788 A3 WO 2005091788A3 US 2005003773 W US2005003773 W US 2005003773W WO 2005091788 A3 WO2005091788 A3 WO 2005091788A3
Authority
WO
WIPO (PCT)
Prior art keywords
user
account number
financial institution
computer readable
readable medium
Prior art date
Application number
PCT/US2005/003773
Other languages
French (fr)
Other versions
WO2005091788A2 (en
Inventor
Daniel Y Fung
Stephen C Evans
Original Assignee
Passgate Corp
Daniel Y Fung
Stephen C Evans
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 Passgate Corp, Daniel Y Fung, Stephen C Evans filed Critical Passgate Corp
Priority to EP05712992A priority Critical patent/EP1723600A4/en
Priority to CA002557308A priority patent/CA2557308A1/en
Publication of WO2005091788A2 publication Critical patent/WO2005091788A2/en
Publication of WO2005091788A3 publication Critical patent/WO2005091788A3/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
    • G06Q20/30—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
    • G06Q20/354—Card activation or deactivation
    • 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
    • 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
    • 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
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus

Abstract

A method, system, and computer readable medium for managing a financial transaction of a user at a merchant, including authenticating the user via a device of the user while the user is at the merchant; transmitting activation information for activating a reusable, pre-existing, unaltered and permanent credit or debit card account number of the user from the user device to a financial institution for processing financial transactions, while the user is authenticated; submitting a payment request including the account number to the financial institution from the merchant, while the account number is activated; and de-activating the account number after the payment request is processed by the financial institution. The financial institution only accepts and processes payment requests received from merchants while the account number is activated, and the financial institution declines payment requests while the account number is de-activated.
PCT/US2005/003773 2004-02-26 2005-02-07 Method, system and computer readable medium for web site account and e-commerce management from a central location WO2005091788A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP05712992A EP1723600A4 (en) 2004-02-26 2005-02-07 Method, system and computer readable medium for web site account and e-commerce management from a central location
CA002557308A CA2557308A1 (en) 2004-02-26 2005-02-07 Method, system and computer readable medium for web site account and e-commerce management from a central location

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/786,596 US7865414B2 (en) 2000-03-01 2004-02-26 Method, system and computer readable medium for web site account and e-commerce management from a central location
US10/786,596 2004-02-26

Publications (2)

Publication Number Publication Date
WO2005091788A2 WO2005091788A2 (en) 2005-10-06
WO2005091788A3 true WO2005091788A3 (en) 2007-05-10

Family

ID=35056638

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/003773 WO2005091788A2 (en) 2004-02-26 2005-02-07 Method, system and computer readable medium for web site account and e-commerce management from a central location

Country Status (4)

Country Link
US (2) US7865414B2 (en)
EP (1) EP1723600A4 (en)
CA (1) CA2557308A1 (en)
WO (1) WO2005091788A2 (en)

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